In addition, I am having a hard time finding insurance to begin with!!
Here is the verbiage from Seller Agreement:
If the gross proceeds from Your Transactions exceed the applicable Insurance Threshold during each month over any period of three (3) consecutive months, or otherwise if requested by us, then within thirty (30) days thereafter, you will maintain at your expense throughout the remainder of the Term for each applicable Elected Country commercial general, umbrella or excess liability insurance with the Insurance Limits per occurrence and in aggregate covering liabilities caused by or occurring in conjunction with the operation of your business, including products, products/completed operations and bodily injury, with policy(ies) naming Amazon and its assignees as additional insureds. At our request, you will provide to us certificates of insurance for the coverage to the following address: c/o Amazon, P.O. Box 81226, Seattle, WA 98108-1226, Attention: Risk Management.
Insurance Limits" means the applicable one of the following:
One Million Canadian Dollars ($1,000,000) (if the Elected Country is Canada),
One Hundred Million Japanese Yen (¥100,000,000) (if the Elected Country is Japan),
Ten Million Mexican Pesos ($10,000,000) (if the Elected Country is Mexico),
One Million U.S. Dollars ($1,000,000) (if the Elected Country is the United States).
"Insurance Threshold" means the applicable one of the following:
Ten Thousand Canadian Dollars ($10,000) (if the Elected Country is Canada),
One Million Japanese Yen (¥1,000,000) (if the Elected Country is Japan),
One Hundred Thousand Mexican Pesos ($100,000) (if the Elected Country is Mexico),
Ten Thousand U.S. Dollars ($10,000) (if the Elected Country is the United States).
Note that there is no waiving the need for insurance. You could sell a single item to the wrong person at the wrong time and be in serious legal trouble.
You should be aware that you are always "insured". If you do not have a policy with an insurance company, you are self-insured. That means that everything you own and everything in your household and anyone else who can be implicated in being liable is your insurance policy.
I suggest that you first check with the companies that you have insurance with. Your home or auto insurance may also provide business insurance. There are probably other companies you can check with to get business insurance. It is not all that hard.
Remember that you live in America and one of the privileges shared is that anyone can sue anyone for almost any reason, even if they are at fault themselves.