This page contains affiliate links where noted — see our affiliate disclosure. Coverage here reflects each carrier's role in Amazon's own program, not which one pays the highest commission.
If you're trying to get compliant with Amazon's product liability insurance requirement (see Business Insurance Deep Dive and, if you sell in one of the 11 enhanced-safety categories, Amazon's November 2026 Insurance Rule Change), the fastest path is usually Amazon's own Insurance Accelerator, accessible from the Business Insurance section of Seller Central.
What the Insurance Accelerator actually is
It's a quote-comparison network Amazon built in partnership with Marsh, a large commercial insurance broker, so sellers can get quotes from multiple vetted carriers without leaving Seller Central and without needing to independently vet whether a given policy will actually satisfy Amazon's requirements (coverage limit, additional-insured endorsement, and so on are pre-structured to qualify).
The carriers in the network
- Hiscox — a well-established small-business insurance carrier with a long track record writing general and product liability for online sellers specifically.
- NEXT Insurance (branded ERGO NEXT Insurance) — known for fast, fully-online quote-to-bind for small and micro businesses, including a newer integrated product built specifically for TikTok Shop sellers.
- Chubb — a large, long-established commercial insurer, generally more relevant to higher-volume or higher-risk sellers than a first-time applicant.
- Liberty Mutual Insurance — a large national commercial carrier.
- Markel — a specialty commercial insurer with experience in a range of product categories.
- Travelers — a large national commercial carrier.
- Simply Business, Inc. — a licensed insurance agency/marketplace that places policies with multiple underlying carriers, rather than underwriting coverage itself.
- Harborway Insurance (underwritten by Spinnaker) — a digital-first commercial insurer.
Note: Bold Penguin is sometimes mentioned alongside this list, but it operates as the underlying insurance-marketplace technology powering parts of the quote-comparison experience rather than as a carrier itself — confirm directly in Seller Central exactly which named carriers are presented to you, since participation can change.
What it costs
Based on publicly reported figures, ecommerce product liability coverage through this kind of program typically runs 0.25% to 1% of annual revenue, commonly landing around $500 to $2,000 per year for a typical small-to-mid-size seller — actual pricing depends heavily on your product category's risk profile, so treat this as a ballpark for planning rather than a quote.
Which of these you can actually research and apply to from outside Seller Central
| Carrier | Known for | Affiliate program for publishers? |
|---|---|---|
| Hiscox | Established small-business/product liability specialist | Yes — via CJ Affiliate, pays per completed quote |
| NEXT Insurance | Fast fully-online bind; new TikTok Shop-specific product | Yes — via Impact, commission terms not publicly disclosed |
| Chubb | Large commercial carrier, broader risk appetite | No public program found |
| Liberty Mutual | Large national commercial carrier | No public program found |
| Markel | Specialty commercial insurer | No public program found |
| Travelers | Large national commercial carrier | No public program found |
| Simply Business | Multi-carrier agency/marketplace | Case-by-case "strategic partnership," not a standardized public program |
| Harborway (Spinnaker) | Digital-first commercial insurer | No public program found |
Hiscox and NEXT Insurance are the two carriers in this network with confirmed, standardized affiliate programs open to a content publisher without an insurance license — see the direct Hiscox vs. NEXT Insurance comparison for how to choose between them specifically. The rest of the carriers in Amazon's network are legitimate, often larger and more established options — they're just not ones this site can point you to with a tracked link, so get a quote directly through Seller Central's Insurance Accelerator if one of them looks like a better fit for your category or size.
Common mistakes
Assuming every carrier in Amazon's network will quote every category equally well — a large commercial carrier like Chubb or Travelers may be a better fit for a higher-risk or higher-revenue business than a fast-bind small-business carrier, and vice versa for a straightforward, low-risk product. Shopping entirely outside the Insurance Accelerator without first checking whether a policy from an outside carrier will actually satisfy Amazon's specific additional-insured and documentation requirements, which can mean redoing the process with a different carrier later.