Amazon Seller Insurance

Save up to 25% on Amazon seller insurance.*

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Amazon seller insurance could help your business with

Compliance with Amazon seller insurance requirements

Amazon requires some sellers on the platform to carry a specific type of business insurance sold through an ERGO NEXT partnership.

Product liability costs

A product you make or sell causes harm to a customer’s health or damages their property, and they ask you to pay.**

The costs of property damage and inventory loss

An event like a fire, theft or winter storm damages your product and inventory, the computers and other equipment you use for work and the work space you own or lease — even a home office.

Costs and liability for data leaks and cybercrime

Phishing scams, data breaches or other criminal behavior compromises sensitive customer information and financial data — and you’re responsible.

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Get Amazon seller insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Amazon seller liability insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in business insurance for Amazon sellers

Amazon seller insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for Amazon sellers

Protection for injuries to non-employees and damage to other people's property

General liability insurance can be required to meet Amazon seller insurance requirements for eligible sellers who are required to carry commercial liability insurance. This type of business insurance coverage could help with financial protection if someone other than an employee — such as a customer, supplier or delivery driver — is injured because of your business operations, or if you or your employees accidentally damage someone else's property.

general liability can help you pay for:

Medical expenses for non-employees

Damage you cause to property you don’t own

Legal defense costs and covered judgments

Advertising injury claims

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Commercial Property insurance for Amazon sellers

Protect your products and inventory, equipment and other business property

Commercial property insurance could help protect products and inventory, packaging supplies, computers and other office equipment, and the work space that you own or lease to run your business. It may also help replace lost business income and other expenses if you have to temporarily close your business for repairs after an event like a fire, vandalism, theft, broken water pipe, winter storm damage or another covered event.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Product Liability insurance

Coverage for Amazon sellers that source, make or sell products

Product liability coverage — included in general liability insurance at ERGO NEXT — can help protect your online business if a customer claims that a product you sold caused an injury or property damage. This could apply to private-label products, handmade goods or products sourced from other manufacturers, depending on the policy.

product liability can help you pay for:

Property damage if a product you sold causes harm

Expenses if a product you sold causes bodily injury

Legal fees and defense costs if you have to defend your business against a claim

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Cyber Liability insurance

Protection from the costs of data breaches and cybercrime

Amazon sellers often store customer information, payment data and business records. A cyberattack or phishing scam can disrupt your business, compromise sensitive information and impact customer trust. Cyber liability insurance could help you cover the costs to respond to data breaches, cyberattacks and other covered cyber incidents.

cyber liability can help you pay for:

Data breach costs

The fallout of cyberattacks and phishing scams

Costs to notify customers and respond

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ERGO NEXT Insurance reviews

Fast Easy and no hassle

Seamless process, just answer a few questions about your business submit and download your policy. Reasonable prices and excellent customer service. I highly recommend

Connie A.

I like that I can modify my cert of Liability

A++, this system works.

Kirk R.

Easy purchase

Buying the insurance was fast and easy. All online with no delays.

Richard C.

Hastle free and quick

Muhammad A.

Smooth and Easy!

Acquiring insurance through Next was as easy as it could possibly be. I would not have put it off if I knew it would be that easy!!

Gregory S.

Outstanding

The help I received was second to none! All questions answered and myself and my business are set up for success

JAMES H.

Quick service

Kasun J.

Great service so far

So far I have no complaints joining was fast price was great

Tonia T.

Worry Free

Transaction was easy and clear!

David E.

Great service

Sam W.

Save up to 25% in discounts on Amazon seller insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Commercial Property

Per occurrence

$25,000

Pro

How much does Amazon seller insurance cost?

Insurance premiums for Amazon seller insurance can be more affordable than you might think. The cost for our business depends on several factors, including:

Your business size and annual sales.
The types of products you sell on Amazon.
Your business location.
Your number of employees.
Your annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to learn your exact Amazon seller insurance cost is to get a free, no-obligation quote. In about 10 minutes, you can see the cost of customized coverage for your business.

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How can insurance for Amazon sellers help your business?

Amazon seller insurance could help your business to:

Meet Amazon seller insurance requirements. Some Amazon sellers are required to carry liability insurance to sell on the platform, depending on their account and their sales volume.
Protect products, inventory and business property. Property insurance could help cover products, business equipment, packaging supplies and damages to your office or warehouse if it’s damaged during an event like a fire, burglary, vandalism, or heavy snowstorm.
Deal with product liability costs. If a product you make or sell is alleged to have caused bodily harm or property damage, product liability coverage may help with your legal defense, court fees and settlements.
Hire employees. Most states require workers’ compensation insurance for small businesses with employees.
Drive for business. If you use a car, truck, van, trailer or other vehicle to transport inventory, make deliveries or run other business errands, commercial auto insurance may help protect your business driving.

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Amazon Seller insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Is business insurance required to be an Amazon Seller?

Yes, Amazon requires some third-party sellers to provide proof of general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance (COI). Amazon asks sellers to add Amazon.com, Inc., and its affiliates and assignees as additional insureds on your policy. These requirements can also apply to sellers who use Fulfillment by Amazon (Amazon FBA), depending on their account and sales volume. ERGO NEXT general liability coverage meets Amazon’s insurance requirements. Amazon sellers should choose the Pro package for the $1 million policy limit per occurrence and $1 million aggregate (per year) limits, as well as the injuries and damages coverage that Amazon requires.

How do I provide proof of my insurance coverage to sell on Amazon?

Amazon might request a certificate of insurance (also called a COI). If you buy your Amazon seller coverage with ERGO NEXT, you can download and share your COI as often as you want, 24/7, at no extra charge. For additional details on Amazon’s insurance requirements, review Amazon’s Program Policies and the Amazon Services Business Solutions Agreement.

What is Amazon Insurance Accelerator?

Amazon Insurance Accelerator is Amazon's online insurance marketplace that helps eligible third-party sellers compare quotes and buy product liability insurance (a part of general liability insurance coverage) from participating insurance providers. Sellers are not required to buy insurance through this program, but it can make it easier to find coverage that meets Amazon's insurance requirements. ERGO NEXT is one of the participating providers in the Amazon Insurance Accelerator program.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I add to my coverage or make changes to my policy?

If you’ve expanded your business or you need coverage for different types of work (or higher amounts of the same coverage), please let us know. If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.