Amazon Rejected My Certificate of Insurance: How to Fix It

Step by step

1. Pull the exact legal entity name from your selling accountCopy it character for character, including punctuation and any suffix like LLC or Inc. This is the name the certificate has to carry; a trading name that differs from the registered one is a rejection.
2. Ask the carrier, not the broker, to issue the certificateThe insurer field has to show the company that writes the policy. Sellers report rejections where the agency name was in that field instead of the carrier.
3. Put the additional insured wording in verbatimAmazon's requirements name 'Amazon.com Services LLC and its affiliates and assignees'. Have it on the certificate as additional insureds, with the Additional Insured box ticked, not only typed into Description of Operations.
4. Check the limit and the deductible both appearAt least USD 1 million per occurrence and in aggregate, covering products, products and completed operations and bodily injury, and a deductible of no more than $10,000 printed on the certificate.
5. Confirm the insurer rating and the notice clauseS&P A- and/or AM Best A- or better, or the local equivalent, with at least 30 days' notice to Amazon of cancellation, modification or nonrenewal.
6. Upload the reissued certificate and keep the fileA colour scan with all four corners visible and readable text. Keep the accepted version: the renewal certificate is requested every year, and reusing accepted wording is what stops the loop.

Your insurer sends the same certificate that passed last year. Amazon rejects it. The notice does not say which field is wrong, and Seller Support reads you the policy back instead of pointing at the line.

This is the most common document rejection in the run-up to November 2, 2026, the date Amazon's new commercial liability insurance requirements start applying to products in categories with enhanced safety listing requirements regardless of sales volume. More sellers are uploading certificates, and the same four fields keep failing.

Why Amazon rejects a certificate of insurance

Amazon does not grade the certificate as a document. It checks named values against the requirements published by Amazon staff on the commercial liability insurance requirements page, and anything that does not match exactly comes back as a rejection with no field named.

The four values that fail most often, judging by what sellers post in the forums:

1. The additional insured wording. Amazon asks for the policy to name "Amazon.com Services LLC and its affiliates and assignees". Sellers report rejections when the broker shortens it to "Amazon.com", splits it across two lines, or leaves the Additional Insured box unticked while putting the text only in the Description of Operations.
2. The insurer name instead of the broker name. In one forum thread the seller's certificate was rejected because the agency appeared in the insurer field. The carrier that writes the policy is the one Amazon checks, not the producer.
3. The deductible. The requirements say the deductible must not exceed $10,000 and the amount must appear on the certificate. A certificate with no deductible line is incomplete even when the policy itself is fine.
4. The legal entity and address. The name on the certificate has to be the legal entity on the selling account, character for character. Sellers also report rejections tied to the certificate holder address, including one where a ZIP code without its four digit extension was the difference between rejected and accepted.

Which ASINs just became insurance work?

See my catalog

What the requirements actually say

These are the values Amazon publishes, so they are the ones to hand your broker:

• Minimum limit of USD 1 million per occurrence and in aggregate, covering products, products and completed operations, and bodily injury.
• Deductible no greater than $10,000, shown on the certificate.
• "Amazon.com Services LLC and its affiliates and assignees" named as additional insureds.
• An insurer with global claim handling and an S&P A- and/or AM Best A- rating or better, or the local equivalent.
• At least 30 days' notice to Amazon of cancellation, modification or nonrenewal.

A certificate that carries all five and still fails is worth escalating rather than reissuing a sixth time.

What other sellers report, and what is not confirmed

Two things circulate in the forums that Amazon has not published, so treat them as reports and not as procedure. One is a Seattle PO Box address for the certificate holder, passed around in a thread where the same certificate passed one year and failed the next. The other is the advice to rename the uploaded file, which the same thread shows did not work. Neither is in Amazon's published requirements.

What is confirmed is that the requirement, once triggered, does not go away. In a thread about low volume sellers being asked for proof of insurance, sellers under $2,500 a month describe being asked anyway, because the obligation also applies when Amazon requests it, not only above $10,000 a month. Sales dropping afterwards does not remove it.

How to stop it happening again

Ask your broker for a certificate that spells out all five values above before the renewal date, not after the rejection. Renewal certificates are requested every year once the requirement is on your account, so the wording you fix now is the wording that gets reused. And if your catalog includes children's products, cosmetic or ingestible products or lithium battery products, check it now: from November 2, 2026 those categories need the policy whatever your volume, which also means the certificate has to be accepted, not just bought.

Worth reading next: how the Amazon account health rating works, since compliance requests land on the same dashboard, and what the Amazon seller account fee covers.

“Amazon.com Services LLC and its affiliates and assignees”

— Amazon Seller Central ↗

#seller#compliance#insurance#account health

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