湛江谷歌竞价推广解读亚马逊保险新政：赔付流程与适用卖家指南
湛江谷歌竞价推广解读亚马逊保险新政：赔付流程与适用卖家指南
Zhanjiang Google Ads Promotion Explains Amazon's New Insurance Policy: Claims Process & Seller Requirements
核心要点：亚马逊9月1日起强制要求月销超1万美元卖家购买百万美元产品责任险，中国跨境卖家需重点关注政策细节与合规操作。
Key Points: Starting September 1st, Amazon mandates sellers with monthly sales exceeding $10,000 to purchase $1 million product liability insurance, requiring special attention from Chinese cross-border sellers.
【政策背景】
2021年2月，亚马逊首次针对月销1万美元以上的美国站FBA卖家试点保险要求。2021年8月10日最新政策升级为：
- 适用范围扩大至所有商品类目
- 保险加速器计划上线
- 9月1日起强制实施
【Policy Background】
In February 2021, Amazon first piloted insurance requirements for US FBA sellers with monthly sales over $10,000. The August 10, 2021 update includes:
- Expanded coverage to all product categories
- Launch of Insurance Accelerator program
- Mandatory implementation starting September 1st
五大关键变化：
- 保险公司需具备全球理赔能力（S&P A-或AM Best A-评级）
- 必须将Amazon.com Services LLC列为附加被保险人
- 保障范围需覆盖店铺所有在售商品
- 保额不低于100万美元，免赔额≤1万美元
- 投保主体需与亚马逊注册法人实体一致
5 Key Changes:
- Insurers must have global claims handling capability (S&P A- or AM Best A- rating)
- Must list Amazon.com Services LLC as additional insured
- Coverage for all products sold in the store
- Minimum $1 million coverage, deductible ≤$10,000
- Policy holder must match Amazon registered legal entity
【投保流程】
1. 确认投保需求 → 2. 填写问卷（含产品/销售额信息）→ 3. 获取报价 → 4. 支付保费 → 5. 获取保单 → 6. 上传亚马逊
推荐保险公司：华泰、人保、平安、史带财险
【Application Process】
1. Confirm need → 2. Complete questionnaire → 3. Get quote → 4. Make payment → 5. Receive policy → 6. Upload to Amazon
Recommended insurers: Huatai, PICC, Ping An, Starr Insurance
行业趋势预测：
沃尔玛、Wayfair等平台已实施类似政策，未来强制投保将成为跨境电商标准合规要求。随着市场成熟，保费有望下降20-30%。
Industry Trends:
Walmart and Wayfair already have similar policies. Mandatory insurance will become standard compliance for cross-border e-commerce. Premiums may decrease 20-30% as market matures.
湛江谷歌竞价推广专家提示：建议卖家提前30天完成投保流程，避免旺季销售受影响。定期检查营业执照有效性，确保保单信息持续合规。
Zhanjiang Google Ads experts suggest: Complete insurance process 30 days in advance to avoid peak season disruptions. Regularly verify business license validity for ongoing compliance.
