Institutional US Business Insurance for Global Founders & Non-Resident LLCs
Protect your US company against million-dollar liability claims, satisfy mandatory Amazon & enterprise vendor contracts, and safeguard your cross-border merchant operations. Powered by licensed commercial brokerage infrastructure from Gaslamp Insurance Services (San Diego, CA).
$1M–$2M
Standard Policy Limits
24–48 Hrs
Digital COI Issuance
50 States
Nationwide US Coverage
100% Remote
No SSN / US Visa Needed
Direct Collaboration with Gaslamp Insurance Services
To guarantee full state regulatory compliance and access to tier-1 A-rated US carriers, HynoGo collaborates with Gaslamp Insurance Services (San Diego, CA). Policies are formally underwritten, quoted, and bound by licensed US brokers, while HynoGo provides dedicated non-resident corporate onboarding and documentation support.
Tailored Commercial Insurance Lines for Non-Resident Businesses
Whether you are an Amazon seller, SaaS founder, software consultancy, or cross-border merchant, we structure coverage tailored to your exact business operations.
General Liability (CGL)
Comprehensive protection against third-party bodily injury, property damage, and advertising injury claims. Includes instant ACORD Certificate of Insurance (COI) issuance naming clients or marketplaces as Additional Insured.
- $1M / $2M standard policy limits
- Meets Amazon $10k/mo seller mandate
- Accepted by US landlords & distributors
Errors & Omissions (E&O) / Professional Liability
Shields your agency or software firm against allegations of negligence, code failure, copyright infringement, or breach of contract deliverables. Critical for enterprise Master Service Agreements (MSAs).
- Defense legal costs covered
- Client contract dispute protection
- Worldwide jurisdiction coverage available
Cyber Liability & Data Breach
Protects digital platforms and online stores against ransomware, data breaches, phishing fraud, customer notification expenses, and state privacy regulatory penalties.
- Forensic IT investigation costs
- Ransomware negotiation & payout
- Customer credit monitoring coverage
Directors & Officers (D&O)
Protects managing members, executives, and advisory board members against personal liability arising from investor disputes, fiduciary claims, or corporate governance actions.
- Personal asset ring-fencing
- Covers legal defense costs
- Indispensable for fundraising rounds
Commercial Property & Inland Marine
Covers inventory in third-party logistics (3PL) warehouses, Amazon FBA centers, office equipment, and high-value hardware in transit across domestic US trade lanes.
- 3PL warehouse inventory coverage
- Transit and cargo damage
- Hardware & electronic equipment
Workers' Compensation
Statutory mandatory coverage if your US LLC hires W-2 employees or direct workers within the United States. Covers medical expenses, disability, and lost wages from work injuries.
- 50-state statutory compliance
- Protects against workplace injury suits
- Seamless payroll integration
Why International Founders Must Carry US Business Insurance
Operating a US company without insurance exposes both the entity and corporate directors to substantial commercial risks. In the United States, commercial litigation is prevalent and platform compliance is strictly enforced.
Amazon & Retail Marketplace Mandates
Amazon actively enforces the $1M CGL insurance requirement once monthly gross volume crosses $10k. Non-compliance results in automatic store deactivation.
Enterprise Client Vendor Requirements
US corporate clients and enterprise buyers require an ACORD Certificate of Insurance with E&O coverage before signing contracts or releasing payment.
Stripe & Merchant Acquirer Underwriting
Financial underwriters favor businesses with insured risk profiles, lowering risk flags and facilitating smoother gateway approvals.
Protection Against High US Legal Costs
Even frivolous lawsuits can cost tens of thousands in attorney defense fees. Proper commercial policies cover your legal defense from day one.
Request a Commercial Insurance Quote
Connect directly with our corporate advisory team and Gaslamp Insurance licensed brokers.
US Insurance Regulatory & Compliance Guides
US Business Insurance for Non-Resident LLCs (Amazon COI, E&O & Cyber)
Learn how cross-border founders obtain statutory commercial liability policies without US SSN, satisfying state and marketplace mandates.
Amazon FBA $1M Certificate of Insurance Requirements for International Sellers
Step-by-step breakdown of the Amazon \$10k/month threshold rule, additional insured endorsement wording, and how non-residents avoid account suspension.
Cyber Liability & Errors & Omissions (E&O) for SaaS & Digital Agencies
How remote tech consultants and software vendors meet enterprise Master Services Agreement (MSA) indemnification requirements.
Frequently Asked Questions
Can a non-US resident without an SSN or US visa obtain US business insurance?
Yes. Through our strategic partnership with Gaslamp Insurance Services, foreign non-residents with registered US LLCs (Wyoming, Delaware, New Mexico, Florida, etc.) can obtain legitimate, underwritten commercial insurance coverage using your IRS Employer Identification Number (EIN) and passport.
Why does Amazon require a Certificate of Insurance (COI)?
Amazon's Business Solutions Agreement mandates that any seller generating over $10,000 in gross merchandise sales in any given month must carry at least $1,000,000 in Commercial General Liability insurance and submit a Certificate of Insurance naming 'Amazon.com Services LLC and its affiliates' as an Additional Insured. Failing to provide this can result in immediate store suspension.
How fast can I receive an ACORD Certificate of Insurance (COI)?
Once your application is reviewed and the policy premium is bound, digital ACORD-25 Certificates of Insurance are typically generated within 24 to 48 business hours with custom Additional Insured endorsements.
Will having US commercial insurance help my Stripe or US merchant account approval?
Yes. Payment processors like Stripe, Shopify Payments, and merchant acquirers evaluate risk profiles during underwriting. Carrying commercial liability insurance demonstrates corporate substance and operational legitimacy, significantly reducing the probability of high-risk classification or rolling reserve mandates.
Who provides the actual insurance underwriting and policy binding?
All insurance consultation, policy quotes, underwriting, and binding are facilitated in direct strategic collaboration with Gaslamp Insurance Services (San Diego, California), a fully licensed and accredited independent US commercial insurance brokerage representing top-tier A-rated domestic insurance carriers.