Amazon FBA & E-commerce Insurance for UK Sellers

The specialist cover you need to satisfy Amazon's requirements, protect your imports, and keep your Seller Central account healthy.

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Don't Let a Generic Policy Risk Your Amazon Business

If you sell on Amazon, eBay, or Shopify, your risk profile is different from a standard high street shop. Yet, most automated insurance brokers try to squeeze you into a standard "Retail" policy.

This is a dangerous mistake.

Standard business insurance often excludes:

  • USA & Canada Sales: The biggest markets for FBA sellers are often excluded by UK insurers.
  • Importer of Record: If you import from China to the UK/USA, you are legally the manufacturer. Standard policies often miss this, leaving you personally liable for defective products.
  • FBA Stock: Goods held in Amazon Fulfillment Centers (third-party locations) are often not covered for fire or theft.

At Insurably, we don't guess. We specialise in E-commerce Insurance that is purpose-built to meet Amazon's strict "Pro Merchant" requirements.

What We Cover: The "Amazon Compliant" Package

We ensure your Certificate of Insurance (COI) ticks every box Amazon requires, so you never face a rejection or suspension due to incorrect paperwork.

1. Product Liability (The Big One)

Amazon requires this to protect them if your product injures someone or causes damage. While their technical minimum is lower, we recommend and provide a £2,000,000 to £5,000,000+ limit. This ensures you are "future-proofed" as your sales grow and satisfies the higher indemnity limits often required for sellers exporting to the USA.

2. Global Jurisdiction (USA & Canada)

Most UK policies stop at the border. If you sell on .com or .ca, you need a policy that extends jurisdiction to North America. We can include this as standard.

3. Stock & Marine Cargo

From the moment your goods leave the factory in China (Marine Cargo) to the moment they sit in an Amazon Fulfillment Center (Stock Cover), we ensure your inventory is protected against loss, damage, or seizure.

4. Business Interruption

If your stock is destroyed in a warehouse fire or your supply chain breaks, we help cover your lost income while you restock.

Why Choose Insurably over a Comparison Site?

We Are Humans, Not Bots.

Comparison sites use rigid algorithms that often "decline" Amazon sellers because they don't understand the FBA model.

  • We know FBA: We understand terms like Landed Cost, MOQ, and 3PL.
  • We know the risks: We can advise you on whether you need "Cyber Cover" for your customer data or "Employers' Liability" for your VAs.
  • We are fast: We know you often need a COI uploaded to Seller Central today to unlock your account.

"The computer said no because I import from China. Insurably said yes because they understood my quality control process."

Insurably client

Related cover you may need

Product Liability Insurance Stock Insurance Cyber Insurance Employers' Liability Business Interruption

We can bundle these into your Amazon-compliant package.

Frequently Asked Questions

Often, no. Standard Public Liability policies usually exclude liability for products sold into the USA/Canada and may not cover you if you are deemed the "Importer" of unbranded goods from outside the EU/UK. You need a dedicated Product Liability policy.
For UK sellers, Amazon's Business Solutions Agreement requires a minimum of £500,000 to £1,000,000 in liability coverage. However, most serious sellers opt for £2,000,000 (or £5m) to ensure they are covered for larger claims and to meet the stricter requirements for selling into North America (amazon.com). Insurably provides certificates that meet these "Pro" standards by default.
Yes. Even if you never touch the product, you can still be held liable if a customer is injured by a faulty item you sold. Since you are the retailer of record, the legal claim stops with you. We have specific markets for dropshippers.
We know that if Amazon requests a certificate, you often need it immediately to unlock your account or funds. In most cases, we can generate your Amazon-compliant Certificate of Insurance (COI) on the same day you accept the quote.
Premiums vary based on your turnover, product type (e.g., electronics vs. toys), and whether you sell into the USA. However, policies for smaller sellers often start from as little as £250–£300 per year. We work with insurers who understand e-commerce, so you don't pay for "generic" cover you don't use.

Get Your Amazon-Ready Quote Today

Stop worrying about your insurance certificate and get back to scaling your store.

Get an FBA Quote

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