亚马逊保险新政深度解析：赔付流程与卖家必购指南
图片来源：图虫创意
早在今年2月，部分亚马逊卖家已收到官方通知："连续三个月销售额达到10000美元后30天内必须购买保额至少100万美元的商业保险"。8月10日，亚马逊再次强调将扩大A-to-Z保障范围，更新保险要求并推出保险加速器计划。
As early as February this year, some Amazon sellers received official notice: "Must purchase commercial insurance with at least $1 million coverage within 30 days after reaching $10,000 in sales for three consecutive months". On August 10, Amazon reiterated its plan to expand A-to-Z protection, update insurance requirements and launch an insurance accelerator program.
政策演变时间线
Policy Evolution Timeline
2021年至今亚马逊三次保险要求：
Amazon's three insurance requirements since 2021:
- 2月16日：美国站FBA中国卖家个别品类小范围测试
- February 16: Small-scale testing for specific categories of Chinese FBA sellers on US site
- 6月29日：要求美国站120万中国FBA卖家达1万美金销售额需购买保险
- June 29: Required 1.2 million Chinese FBA sellers on US site reaching $10K sales to purchase insurance
- 8月9日：全面普及要求9月1日前购买产品商业保险
- August 9: Comprehensive requirement to purchase commercial insurance by September 1
新政五大核心变化
Five Key Changes in New Policy
- 保险公司资质：需具备全球索赔处理能力，财务评级S&P A-或AM Best A-及以上
- Insurer Qualifications: Must have global claims handling capability with S&P A- or AM Best A- rating
- 附加被保险人：必须将Amazon.com Services LLC及其附属公司列为附加被保险人
- Additional Insured: Must list Amazon.com Services LLC and affiliates as additional insured
- 保障范围：需覆盖店铺所有销售商品，新增类目需及时报备
- Coverage Scope: Must cover all products sold, new categories require timely reporting
- 保额要求：不低于100万美元，免赔额不超过1万美元
- Coverage Amount: Minimum $1 million with deductible not exceeding $10,000
- 投保主体：一个店铺一份保单，投保名称需与法人实体一致
- Policy Holder: One policy per store matching legal entity name
保险购买与赔付全流程
Insurance Purchase & Claim Process
购买流程五步骤：
5-step Purchase Process:
1. 确认投保需求 → 2. 填写问卷(含产品/销售额等信息) → 3. 保险公司报价 → 4. 支付保费 → 5. 获取保单
1. Confirm need → 2. Complete questionnaire → 3. Get insurer quote → 4. Make payment → 5. Receive policy
亚马逊推荐保险公司：华泰保险、中国人民保险(非人寿)、平安保险、史带财险
Amazon Recommended Insurers: Huatai Insurance, PICC (non-life), Ping An, Starr Insurance
赔付流程关键点：
Claim Process Highlights:
- ≤1000美元索赔：亚马逊直接处理
- ≤$1000 claims: Amazon handles directly
- >1000美元索赔：有保单→保险公司介入；无保单→卖家承担
- >$1000 claims: With policy → insurer handles; Without → seller responsible
行业趋势预测
Industry Trend Forecast
深圳市无忧跨境科技市场总监Tank指出："沃尔玛、Wayfair等平台早已要求开店时提供产品责任险，这将成为跨境电商合规运营的标配"。随着欧美消费者保护法规趋严，平台通过保险转嫁风险将成为必然选择。
Tank, Marketing Director of Shenzhen Wuyou Cross-border Technology, noted: "Platforms like Walmart and Wayfair already require product liability insurance at store opening, this will become standard for cross-border e-commerce compliance". With stricter consumer protection regulations in欧美, platforms transferring risks through insurance will become inevitable.
专家预测：随着同类保险产品增多，未来保费可能呈现下降趋势，但保险要求将覆盖更多卖家群体。
Expert Prediction: As similar insurance products increase, premiums may decline in future, but requirements will cover more seller groups.
