Safety-category sellers need $1M liability cover from 2 November 2026 — no sales floor
Who it hits
3P sellers with ASINs in enhanced safety categories. Mainland China sellers submitting new policies.
What to do this week
Map every ASIN to the safety list before you scale Q4 ads. Do not pour spend into listings that can be suppressed on 2 November.
Ads problem, not just compliance
A suppressed ASIN in November still burned the ranking you paid for in October. Confirm cover, or pause scaling, before you buy more traffic. Other categories on the same account can stay live — which is another “silent offer” trap if you only watch blended ACOS.
SOP
- Export the catalog. Tag safety-category ASINs. If unsure, treat as in-scope until Seller Central says otherwise.
- Confirm policy on file: $1M, named correctly, expiry after 2 Nov.
- China-based: plan AIA before expiry of any grandfathered policy.
- Any ASIN without a path to cover loses Q4 ranking budget now.
Two insurance rules, one ads calendar
Amazon already required $1M commercial liability within 30 days once US monthly gross proceeds exceeded $10,000. From 2 November 2026, sellers with products in enhanced safety listing categories — children’s products, cosmetics, ingestibles, lithium-battery goods in the notices this desk tracked — must hold $1M per occurrence and in aggregate regardless of that $10k trigger. Mainland China sellers must obtain new policies through Amazon Insurance Accelerator; third-party policies submitted before 2 November can run until they expire. Confirm the live Seller Forums / help page. Category lists move.
How to map the catalog before you scale Q4
Export the catalog. Tag anything that could sit in those safety categories. If unsure, treat as in-scope until Seller Central says otherwise. Confirm the policy on file: limit, named insured, expiry after 2 November. China-based: plan Accelerator before a grandfathered policy dies mid-peak. Any ASIN without a path to cover loses ranking budget now — a suppressed listing in November still burned the October clicks you paid for.
Silent-offer trap
Other categories on the same account can stay live. Blended ACOS will not tell you a safety-category hero went dark. Put insurance status on the same weekly checklist as FBM health and inbound shortages. Do not scale a Q4 launch in a safety category on a hope and a broker email.
Related: Q4 checklist, Account Health.
Confirm the live list before you scale
Amazon already required $1M commercial liability within 30 days once US monthly gross proceeds exceeded $10,000. From 2 November 2026, enhanced safety listing categories — children’s products, cosmetics, ingestibles, lithium-battery goods in the notices this desk tracked — need $1M per occurrence and in aggregate regardless of that $10k trigger. Mainland China sellers must obtain new policies through Amazon Insurance Accelerator; third-party policies submitted before 2 November can run until they expire. Category lists move. Export the catalog. Tag anything that could sit in those categories. If unsure, treat as in-scope until Seller Central says otherwise. Any ASIN without a path to cover loses ranking budget now — a suppressed listing in November still burned the October clicks you paid for. Other categories on the same account can stay live. Blended ACOS will not tell you a safety-category hero went dark.
FAQ
I sell under $10k/month. Am I exempt?
Not if you list in enhanced safety categories. The $10k trigger remains for everyone else. Safety-category cover is regardless of GMV.
I already have $1M for the $10k rule. Am I done?
If you list in enhanced safety categories, confirm the policy still meets the 2 November terms (per occurrence and aggregate, accepted issuer). China-based sellers have an extra Accelerator constraint on new policies.
Will Amazon warn me before suppression?
Do not bid as if a reminder email is a strategy. Cover first, then scale.
Source: Amazon US Seller Forums / EcommerceBytes, Sep 2026 · Confirm live numbers in Seller Central. This desk is the method, not a rate card.
Stuck on this change?
I will walk the public listing, say whether this change is leaking spend, and what week one would be.