Amazon sellers insurance

Do Amazon sellers need insurance?

If you sell products on Amazon, it’s important to have the right level of insurance to protect your business. For example, insurance for Amazon sellers can protect your stock or if one of your customers takes you to court (in some circumstances).

Remember that if you run your business from home, you’ll need a separate business insurance policy as selling on Amazon is unlikely to be covered by your home insurance.

Simply Business works with a panel of trusted insurers to give you the choice and flexibility you need to protect the unique needs of your business. By comparing a range of quotes from different insurers, you can build a policy with the right level of cover for selling on Amazon. This allows you to focus on growing your online business.

If you buy Amazon seller insurance through Simply Business, Amazon will be named as an ‘indemnity to principle’ on your insurance documents.

Amazon seller insurance – what’s covered?

Our insurance for Amazon sellers can protect several aspects of your business. Whether you need cover for stock, other people’s property, employees, or legal disputes, you can build a policy that works for you.

This can give you peace of mind that you’re insured if the worst happens.

Does it cover selling on Amazon outside of Europe and to the US?

The countries you can sell products in could be different depending on your insurer so it’s worth checking your policy documents before making international sales.

Will it cover you for dropshipping on Amazon?

Our insurance could cover dropshipping as long as the imported item comes from one of the following countries:

• the UK, the European Union, Switzerland, Norway, or Iceland
• the United States or Canada
• Australia or New Zealand
• Japan
• South Africa

If it comes from a country not on this list, the products need to be inspected before being sent to customers.

What products can we not insure?

Below are some of the products we can’t insure for online sellers:

• any products that need to be medically prescribed
• products that don’t meet health or safety requirements in the United Kingdom
• products you know to be faulty or unsafe
• second-hand electrical goods
• vehicles, aircraft, or watercraft (or components of them)
• manufacturing of cosmetics / beauty products
• manufacturing of toys
• Personal Protective Equipment (PPE)

It’s also worth checking Amazon’s list of restricted products before selling on the platform.

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

Amazon seller insurance FAQs

This is a key cover for most businesses – our comprehensive FAQs answer some of the most popular questions about public liability insurance. You can also check out our public liability insurance FAQs.

• What does ‘indemnity to principle’ mean?

  An ‘indemnity to principle’, also known as ‘additional insured’, is any company, person, local authority, or other body your business has entered into a contract with to do your work. How it works can depend on your insurer, so it’s important to check your policy endorsements.

• How will Amazon appear on your policy?

  Amazon will be named in your policy documents as: Amazon EU SARL, UK Branch. Wording can change depending on your insurer, so it’s important to check your policy endorsements.

• Do I need a separate policy if I sell my products elsewhere?

  No – a Simply Business policy will cover all of the business activities that are outlined in your policy documents. This means you can sell on Amazon and through other e-commerce platforms and still be covered under the same policy.

• Already have a policy with Simply Business?

  If you already have a policy with Simply Business and you would like to add Amazon as an endorsement to your policy, please complete this form.

• What’s the difference between public and product liability insurance?

  Public liability insurance can protect you and your business if a member of the public suffers an injury or another loss because of your business. If you sell, create, manufacture, or distribute a product, then it's worth considering product liability insurance too, as it can provide further protection for you and your business.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions