NEXT Insurance, Embroker, Tivly, and more. No obligation.
General Liability Insurance for Amazon Sellers in Florida: Coverage, Costs, and Requirements
General liability insurance for Amazon sellers in Florida: what Amazon requires, what GL covers, what it excludes, and average premiums for FBA and FBM sellers.
Written by
Editorial Team
Reviewed by
Robert Okafor
General liability insurance is a required coverage for Florida Amazon sellers who reach Amazon's sales thresholds. Amazon's Business Solutions Agreement requires sellers with monthly sales above $10,000 to carry GL coverage with minimum limits of $1 million per occurrence. GL also covers products liability claims from the goods you sell on the platform.
Quick Answer
Estimated general liability premiums for Florida Amazon sellers:
| Seller Size | Estimated Annual GL Premium |
|---|---|
| Small seller (under $500K annual sales) | $450 to $900 per year |
| Larger seller ($500K or more annual sales) | $850 to $1,700 per year |
Florida Amazon seller GL premiums are near the national average.
What GL Covers for Florida Amazon Sellers
Products Liability
Commercial GL policies include products and completed operations coverage. If a product you sell on Amazon causes bodily injury or property damage to a customer, GL's products liability component covers those claims.
Bodily Injury at Your Office or Warehouse
Covers claims from visitors, delivery drivers, or other third parties injured at your home office, rented warehouse, or studio.
Property Damage to Third Parties
Covers damage to a third party's property caused by your operations.
Defense Costs
GL covers attorney fees, court costs, and settlement amounts for covered claims, even if the claim is unfounded.
What GL Does Not Cover for Florida Amazon Sellers
Cyber Incidents and Data Breaches
GL does not cover data breaches or customer data theft. Cyber liability insurance covers breach response and notification costs.
Product Recalls
GL covers bodily injury from defective products but does not cover recall costs. Product recall insurance is separate.
Your Own Inventory
GL does not cover loss or damage to your own inventory. Commercial property insurance covers your own stock.
Employee Injuries
Florida requires workers compensation for employers with four or more employees. GL does not cover employee injuries.
Florida-Specific Considerations
Amazon's GL Requirements
Amazon requires sellers with monthly sales above $10,000 to carry GL coverage of at least $1 million per occurrence naming Amazon.com Services LLC as additional insured. Florida Amazon sellers must confirm their policy meets this additional insured requirement before submitting a certificate to Amazon Seller Central.
Florida FBA Fulfillment Centers
Amazon operates large fulfillment centers in the Miami and Orlando areas. Florida Amazon sellers using FBA benefit from short delivery times to Florida customers and the Southeast. Confirm your GL policy covers products liability for goods stored in Amazon's FBA warehouses.
Miami International Seller Community
Miami has a large and active international Amazon seller community, including sellers importing goods from Latin America, Europe, and Asia. International sellers operating in Florida face the same Amazon GL requirements as domestic sellers and must purchase qualifying US-admitted carrier policies.
Hurricane and Inventory Risk
Florida's hurricane season creates inventory loss risk for FBM sellers storing their own inventory. GL does not cover loss or damage to your own stock. Commercial property insurance covers inventory losses from storm damage.
Advertising Disclosure
NEXT Insurance
4.9Fast, affordable small business insurance. No spam. No obligation.
Frequently Asked Questions
Does Amazon require GL insurance for Florida sellers?
Yes. Amazon requires sellers with monthly sales above $10,000 to carry GL of at least $1 million per occurrence naming Amazon as additional insured.
What does GL cover for a Florida Amazon seller?
GL covers products liability claims, bodily injury at your location, property damage to third parties, and defense costs.
Does GL cover my FBA inventory stored in Amazon's Florida warehouses?
GL covers products liability claims from FBA-stored goods but does not cover loss or damage to your own inventory. Commercial property insurance covers your inventory.
How much does GL cost for a Florida Amazon seller?
Florida small Amazon sellers typically pay $450 to $900 per year for GL coverage.
Does GL cover hurricane damage to my inventory in Florida?
No. GL covers third-party claims. Commercial property insurance covers your own inventory losses from storm damage.
Disclaimer
This article is for informational purposes only and does not constitute insurance or legal advice. Coverage details and costs vary by carrier and individual circumstances. Consult a licensed insurance agent and attorney for guidance specific to your situation.
Sources
Get free insurance guides in your inbox
State-specific tips, cost data, and coverage updates for small business owners. No spam.
No spam. Unsubscribe any time.
Compare your options
Professional Liability vs. General Liability: Key Differences Explained
Buying GL thinking it covers your work errors is an expensive mistake. Here's which policy responds to which claim, and who needs both.
Business Owner's Policy vs. Individual Policies: Which Should You Buy?
A BOP bundles GL and commercial property at a discount but excludes workers comp, professional liability, and more. Here's when a BOP makes sense and when it doesn't.
Next Insurance vs Hiscox Small Business Insurance 2026
Next Insurance and Hiscox serve different small business profiles. Here is what each covers well, where each falls short, and which one fits your business.
general liability by state
Compare quotes
Advertising disclosure
NEXT Insurance
4.9Best for: Contractors and tradespeople
- Quotes in under 5 minutes
- Certificate of insurance instantly
- Covers 1,000+ business types
Embroker
4.8Best for: Professional services and tech
- Broker-backed for complex risks
- Bundles GL, cyber, and D&O
- Digital application, no phone tag
Tivly
4.7Best for: Buyers who want expert guidance
- Compares multiple carriers at once
- Licensed agents by phone
- No obligation to commit
Advertising Disclosure
NEXT Insurance
4.9Fast, affordable small business insurance. No spam. No obligation.
This article is for informational purposes only and does not constitute insurance advice. Coverage, requirements, and costs vary by state, carrier, and individual circumstances. Consult a licensed insurance agent for guidance specific to your situation.
About the author
Commercial Insurance Editorial Team
The Dareable editorial team covers commercial insurance for small business owners. Every guide is fact-checked by a licensed CIC or CPCU before publication.
Related articles
Commercial Umbrella Insurance for Yoga Studios in Colorado: Extended Liability Coverage
By Alex Morgan
Commercial Umbrella Insurance for Yoga Studios in Pennsylvania: Extended Liability Coverage
By Alex Morgan
Commercial Umbrella Insurance for Yoga Studios in Ohio: Extended Liability Coverage
By Alex Morgan