According to Amazon official information and multiple sources, Amazon US will update its Commercial Liability Insurance requirements on November 2, 2026. This policy adjustment is significant and mainly introduces the following two core requirements:

1. Mandatory insurance for 11 new high-risk product categories (regardless of sales volume). In addition to the existing rule that sellers with monthly sales over $10,000 must obtain insurance, the new rule requires that if you sell product categories with enhanced safety listing requirements, you must purchase commercial liability insurance regardless of whether monthly sales reach $10,000. The minimum coverage is $1 million per occurrence and in aggregate. This requirement applies to both new and existing listings. The 11 affected high-risk categories include:

Children's products (such as children's toys, infant sleep products, baby playpens, etc.)

Consumable and ingestible products (such as dietary supplements, over-the-counter drugs, ophthalmic medicines, etc.)

Fire safety-related products (such as fire extinguishers, smoke detectors, etc.)

General household equipment (such as immersion water heaters, small kitchen appliances, etc.)

Home medical equipment (such as walking frames, home respiratory care supplies, etc.)

Lithium battery products (such as lithium batteries, portable power stations, household appliances powered by lithium batteries, etc.)

Outdoor power and heating equipment (such as electric cutting tools, portable generators, etc.)

Personal safety equipment (such as climbing harnesses, etc.)

In addition, it also includes cosmetics/skincare products, sleep products such as mattresses, automobile and motorcycle tires, water life-saving supplies, etc.

2. Mandatory insurance channel for mainland China sellers (AIA). For sellers whose company address is located in mainland China, starting November 2, 2026, newly submitted policies must be obtained through Amazon Insurance Accelerator (AIA). Policies purchased from external third parties on your own will be rejected by the platform.

Transition policy: If you already have a valid third-party policy that meets the coverage requirements and has been submitted to Amazon before November 2, you may continue to use that policy until it expires. However, when renewing after expiration, you must obtain a new policy through AIA.

Consequences of non-compliance: If you fail to meet the above new insurance requirements after November 2, non-compliant product listings will be removed or suspended by the platform until the seller submits a compliant policy and passes verification.

Recommended actions: Sellers should promptly check whether their active products fall into the above 11 high-risk categories. If they do, prepare early and complete insurance or compliance review through the AIA channel 1–2 months in advance to avoid listing removals or fund restrictions before peak season due to non-compliance.