# Amazon: Mainland China sellers must buy liability insurance through AIA, and some categories lose the sales threshold

https://storecalc.com/en/updates/amazon-insurance-aia.html

- Topic: Marketplaces
- Published: 2026-09-03
- Effective: 2026-11-02
- Checked: 2026-10-23

Sellers already had to carry commercial liability insurance within 30 days once Amazon.com sales passed $10,000 in any month, with at least $1 million per occurrence and in aggregate. From 2026-11-02, sellers in categories with enhanced safety listing requirements need it regardless of sales, and Mainland China sellers must buy it through Amazon Insurance Accelerator (AIA); valid third-party policies already submitted can run until they expire.

## Our read

For apparel sellers registered in Mainland China, the practical change is where you renew: once your current policy expires it must come through AIA, and the premium may differ, so get an AIA quote a month or two before expiry. If you sell children's apparel or other enhanced-safety categories, you need cover even below $10,000 a month; check in Seller Central whether your categories are on the list.

## Key dates

- 2026-09-03: Published
- 2026-10-23: We checked the official text
- 2026-11-02: New insurance requirements begin; newly submitted non-AIA policies from Mainland China sellers are rejected, while qualifying existing policies remain valid until expiry

## Who is affected

- The existing liability-insurance requirement remains for sellers whose Amazon.com gross proceeds exceed $10,000 in any month. This covers product-related liability, not parcels lost in transit.
- Products in enhanced-safety categories require cover regardless of sales, for both new and existing listings. Children’s products are an example in the notice; check the full category list for each apparel line.
- Mainland China sellers who need insurance must use the Amazon Insurance Accelerator (AIA) channel for new or renewed policies. Compliant, valid third-party policies submitted before November 2 may continue until expiry.
- Sellers outside the enhanced-safety categories and below the existing sales threshold should not read this as a new blanket insurance mandate for all adult apparel. The new AIA channel requirement does not apply to sellers outside Mainland China.

## What to do

- Check each active product against the enhanced-safety category list and retain the category decision and any request for additional documents.
- Record policy expiry and submission dates, verify at least $1 million per occurrence and in aggregate, and check that the products you actually sell are covered.
- If your Mainland China business needs a new or renewed policy, obtain an AIA quote early and align the coverage dates. Avoid discovering missing application documents only after the old policy expires.

## What the official text says

Quoted from the official text.

> This change applies to both new and existing listings.

— [Amazon Seller Central: New commercial liability insurance requirements effective November 2, 2026](https://sellercentral.amazon.com/seller-forums/discussions/t/287d5c33-8278-4802-ba69-2f58f7dda408)

> After that policy expires, you will be required to obtain insurance through AIA.

— [Amazon Seller Central: New commercial liability insurance requirements effective November 2, 2026](https://sellercentral.amazon.com/seller-forums/discussions/t/287d5c33-8278-4802-ba69-2f58f7dda408)

## Sources

- [Amazon Seller Central: New commercial liability insurance requirements effective November 2, 2026](https://sellercentral.amazon.com/seller-forums/discussions/t/287d5c33-8278-4802-ba69-2f58f7dda408)

We checked the official text on 2026-10-23. Rules can change again; the latest official publication prevails.

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