NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re’s global financial strength.

Amazon Seller Insurance

Customized coverage for third-party Amazon sellers

Choose your primary coverage to get started:

Amazon seller insurance can help protect you from

Inventory

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.**

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Damaged property or inventory

A covered event such as a fire, theft or burst water pipe ruins your products and inventory or ends in costly repairs to your home office or workspace.

Cyber

Criminals hack your store’s site, and now your customers’ payment information is compromised.

Get e-commerce insurance that’s fast, flexible and convenient

Selling on Amazon? If your monthly sales exceed $10,000, you may be required to carry general liability insurance. Amazon typically requires at least $1 million in general liability coverage to stay compliant. Even if you haven’t reached that threshold, coverage can help protect your business from product-related claims and unexpected risks.

With ERGO NEXT, you can:

  • Get a quote and buy 100% online in about 10 minutes
  • Get covered and access proof of insurance instantly
  • Manage your policy anytime, 24/7
ERGO NEXT specializes in business insurance for Amazon sellers
It’s all about managing your risk. See the different policies available for Amazon sellers and save up to 10% when you bundle two or more of our policies.
Business Owner's Policy
BOP insurance combines the protections of general liability and commercial property into a single policy that’s often more cost-efficient. It can cover both liability and your business property, inventory, products and fixtures.
General Liability
The product liability insurance included in your general liability policy can help protect you if your products cause a customer harm or damage. For example, if a customer says a leaking skin care product ruined their furniture, general liability could help cover the cost.
Commercial Property
A burst water pipe, burglary or fire can turn your inventory into a total loss overnight. Whether you work from a warehouse or your living room, commercial property insurance can help protect the products, inventory and business supplies that keep your shop running.
Cyber Liability
Cyber insurance could help you recover if your data gets hijacked or your customer data is stolen or held for ransom. If your Amazon Shop account is locked or your store is offline for several business days, cyber insurance may also help cover costs until you’re back in business.

Get the protection you need. Nothing more. Nothing less.

Tell us what you do

Pick the plan that best fits you

Get your Certificate of Insurance

Amazon seller insurance FAQs

Find answers to common questions below, or chat with a licensed U.S.-based advisor for help.

Do I need insurance to sell on Amazon?

Yes, Amazon requires some third-party sellers to provide proof that you have general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance with Amazon listed as an additional insured. Our general liability coverage meets Amazon’s insurance requirements. We make it easy to get a quote, purchase coverage and access your certificate with our simple online process. Just be sure to select the “Pro” package when you’re on the quote page so you receive the $1 million per occurrence and $1 million aggregate (per year) limits, as well as the injuries and damages coverage, that Amazon requires. This helps protect your business and Amazon from financial losses if you are accused of causing an injury or property damage related to whatever you are selling. Amazon asks that you put “Amazon.com, Inc., and its affiliates and assignees” as additional insureds on your policy. If you purchase through Amazon, you will automatically have a certificate of insurance created at time of purchase.

How do I provide proof of coverage to Amazon?

Amazon might send you a request for a certificate of insurance. If that happens, you must send it to Amazon at: c/o Amazon, P.O. Box 81226, Seattle, WA 98108-1226, Attention: Risk Management. If you have coverage with NEXT, you can download your certificate as many times as you want, 24/7, at no extra charge. For additional details on Amazon’s insurance and other seller requirements, we recommend checking out Amazon’s Program Policies and the Amazon Services Business Solutions Agreement before you get started. This will help you understand expectations of you as a seller. If you have problems uploading your Certificate of Insurance to your Amazon Seller Profile you can contact Amazon directly through the “Contact Us” section of your Amazon Seller Central Profile.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage).

If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.

The quickest way to talk to our U.S.-based customer service team is through chat.  You can reach us by clicking “chat with us” at the very bottom of the help center page.

Next Insurance, small business insurance
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.

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© 2026 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.