At this time, if you didn't buy insurance, the customer used this product. Unfortunately, he was injured because of this product, so he won't call the police. He will complain to the lawyer that the problem of this product has caused him to be injured and demand compensation. As we all know, Amazon's urine was sealed first, so it was not negotiable when the store was closed, and it was solved then. Because there is no insurance, the customer complains about Amazon, and Amazon will come forward to solve it, that is money.
Then, if I have insurance, although my store will be frozen like a listing, he will find a lawyer to sue me. After reviewing the sales information and the seller's confirmation of the product, the insurance company intervened in the claim, and analyzed the product problems and the reasons for the claim. Then the insurance company will decide whether to pay or not, but whether to pay or not. After the case is over, we can still continue to sell products without spending a lot of energy and extra money. All we have to do is wait for the result and reply, but if we want to continue to sell, it is estimated that we have to accept Amazon's audit. We haven't received any information about the claim, but it should be no problem for the store to come back.
Insurance requirements
Article 9 of Amazon Service Business Solution Agreement stipulates that if your total sales income in Amazon.com for 65,438+0 months exceeds USD 65,438+00,000, or we have other requirements, you must take out commercial liability insurance and renew it within 30 days.
Insurance policy standard
Can individual sellers be insured?
Individual sellers who are not registered in China Industrial and Commercial Bureau cannot be insured.
Can all products be insured?
The following products cannot be insured: automobiles, new energy vehicles, electric vehicles and battery cars; Battery, charging treasure, mobile power supply; Satellites, planes and ships; Blood products, human implants; Fertilizers and pesticides; Large-scale construction machinery and equipment (such as cranes); Tobacco, electronic cigarettes; Drugs and prescription drugs.
How to classify product insurance?
Class a: products other than class b and class C.
Class B: 0-3 years old baby products, health products, tires and rubber products, valves, faucets, water pipes, pipes, water heaters, water purifiers, vacuum cleaners, heaters, dehumidifiers, medical devices and equipment, face steamers, helmets, safety belts, headlights, auto parts, children's toys, bicycles, balance cars, scooters, lawn mowers, drones and trampolines.
Class C: automobiles, new energy vehicles, electric vehicles, battery cars, batteries, charging treasures, mobile power supplies, satellites/planes/ships, blood products, human implants, fertilizers, pesticides, large-scale construction machinery and equipment (such as cranes), tobacco, electronic cigarettes, medicines and prescription drugs.
What insurance companies are there?
United States:
Simple business
Next insurance
Bold penguin
China:
Huatai insurance
People's Insurance Company of China (non-life insurance)
Ping An Insurance
Times property insurance
Finally, I would like to remind you that all insurances have deductibles. Remember to ask the insurance company's deductible when buying before you can surrender. There will be a period of hesitation. Ask about your insurance company's surrender rules. There is a charge for surrender.
Finally, I will give you the eight-character mantra. Be careful, you are walking on thin ice. The security of the account and personal feelings will always come first.