Your policy can be perfect — and Amazon can still reject the certificate.
From November 2, 2026, Amazon requires $1M liability coverage from every seller in 11 safety categories — no more $10k exemption. CoverReady checks your COI against all 12 of Amazon's published requirements, flags your category exposure, and gives you the exact fix wording to send your broker — before Seller Central suppresses a single listing.
Rejections are paperwork, not coverage
Most COI rejections are details: one wrong line — "Amazon.com, Inc." instead of "Amazon.com Services LLC and its affiliates and assignees" — bounces the whole upload. Each rejection cycle costs days. In Q4, that's your peak season.
The Nov 2 rule change
Amazon eliminates the $10,000/month sales exemption for liability insurance in 11 enhanced-safety categories. Every seller with an ASIN in those categories needs a $1M/$1M policy on file — at any sales level — or listings are suppressed. Amazon began emailing affected sellers in early October 2026, with ~30 days' notice.
Your broker knows insurance. Not this.
Amazon's 12-point certificate checklist is not your broker's job. It is ours: limits, deductible stated on the COI, occurrence basis, additional-insured wording, entity-name match — line by line.
A neutral checker, on purpose
Insurers and brokers sell policies. CoverReady sells nothing but the check — no commissions, no steering. Buy your policy anywhere; we make sure the certificate survives Amazon's upload.
Fix wording, not homework
Every failed item comes back as exact corrected wording to send your broker — plus, on Upload-Ready, the Seller Central walkthrough and rejection-response templates.
Deadline pricing, published
COI Audit $149. Upload-Ready Pack $299 — if it passes our 12-point check and Amazon still rejects it for a covered reason, we work the rejection free or refund the pack.
CoverReady pricing
Straightforward plans — pick the tier that fits and check out securely. Every plan is described in full on the pricing page.
COI Audit
$149 one-time
- Full 12-point check, line by line
- Enhanced-safety exposure map for your categories
- Broker fix list with exact wording
- Report within 48 hours of intake
Upload-Ready Pack
$299 one-time
- Everything in the COI Audit
- Corrected COI request letter for your broker
- Seller Central upload walkthrough
- Rejection-response templates
- One free re-check of the corrected COI
Sentinel
$49/mo recurring
- Expiry & lapse watchdog (90/60/30-day alerts)
- Annual re-audit
- Category-change watch
- One re-check per renewal
- Cancel anytime
More of what CoverReady does
Features
Every audit checks all 12 of Amazon's published COI requirements, line by line.
The 12 checks
Policy type (CGL/umbrella/excess) · $1M per-occurrence · $1M aggregate · deductible ≤$10,000 and stated on the COI · occurrence-based · exact additional-insured wording · insured name = Seller Central legal entity · insurer rated A− or better (S&P / AM Best, or local equivalent) · products/completed operations included · ≥30 days' cancellation notice to Amazon · no sunset clause · policy in force and COI signed by an authorised insurer rep.
Exposure map
Which of your catalog categories lose the $10k exemption on Nov 2, 2026 — and which side of the rule each of your ASINs sits on. Start with the intake's free exposure pre-check if you don't have a policy yet.
How it works
Broker fix-letter
Copy-paste corrected wording for every failed item, written for your broker — so the corrected COI comes back right the first time.
Upload pack + re-check
Upload-Ready adds the step-by-step Seller Central upload walkthrough, rejection-response templates, and one free re-check of the corrected COI.
Sentinel watchdog
Expiry and lapse alerts at 90/60/30 days, an annual re-audit, a category-change watch, and one re-check per renewal — so a lapsed upload never suppresses you again.
What you get
Honest scope
We check documents against Amazon's published requirements. We do not sell, broker, quote, or bind insurance, and we give no insurance or legal advice — coverage decisions stay with you and your licensed broker.
Quickstart
Five-minute intake. Report within 48 hours (the clock pauses while we wait on you).
Order + intake
Check out securely with Stripe and complete the intake: name / store name / contact email, your exact Seller Central legal entity name, your catalog categories and approximate monthly sales band, and your COI or policy document upload — or "no policy yet".
The details
Exposure pre-check
No policy yet? The intake starts with a free exposure pre-check: we'll tell you whether the Nov 2 rule reaches your categories, and give you the exact spec sheet to hand any broker so the first COI comes back right.
The 12-point check
Our checker validates all 12 Amazon requirements against your certificate and maps which of your categories trigger the Nov 2 rule.
Fix list for your broker
You get a pass/fix report with the exact corrected wording for every failed item — copy-paste ready for your broker.
Going further
Upload, with a safety net
On Upload-Ready: follow the Seller Central walkthrough, use the rejection-response templates if Amazon pushes back, and send us the corrected COI for its free re-check.
About CoverReady
From November 2, 2026, Amazon requires $1M/$1M liability coverage from every seller in 11 enhanced-safety categories, at any sales level. Thousands of micro-sellers are buying a policy for the first time, in Q4, on ~30 days' notice — and discovering that COIs get rejected on paperwork details, not coverage: wrong additional-insured wording, a deductible not stated on the certificate, an insured name that doesn't match the Seller Central legal entity. Insurers and brokers sell policies; agency help is bundled into $1,250–$1,997 consulting engagements. Nobody was a neutral, flat-fee checker of the certificate you already bought. CoverReady is t
The legal boundary — non-negotiable
CoverReady is a document-compliance service. It does NOT sell, broker, quote, or bind insurance, and gives no insurance or legal advice. Every deliverable carries that disclaimer; coverage decisions go to your licensed broker or insurer. We take no commissions from any insurer, so the check has no steering in it.
In depth
What we won't do
We won't sell you a policy, guarantee Amazon's decisions outside the published checklist, or pretend a certificate check is coverage advice. If your Upload-Ready pack passes our check and Amazon rejects it for a covered reason, we work it free or refund the pack — that's the promise, stated exactly.
Pricing
Flat fees for a document check — priced like one, with zero commission conflicts. Not sure you're affected by the November 2 rule? Run the free 2-minute exposure checker first — no email required.
Deadline Rush
Everything in the COI Audit 24-hour turnaround — jumps the queue For sellers racing the November 2, 2026 deadline Strictly capped at 10 rush audits per day — real capacity, not a sales trick Guarantee: if your Upload-Ready pack passes our 12-point check and Amazon still rejects the COI for a reason our checklist covers, we work the rejection with you free until it's accepted or we refund the pack. We cannot guarantee Amazon's decisions on items outside the published checklist — and we say so. CoverReady is a document-compliance service. It does not sell, broker, quote, or bind insurance, and gives no insurance or legal advice. Checkout is han
More capabilities
Why now — the market gap
Legal boundary (non-negotiable): CoverReady is a document-compliance service. It does NOT sell, broker, quote, or bind insurance, and gives no insurance or legal advice. Every deliverable carries that disclaimer; coverage decisions go to the seller's licensed broker/insurer.
Landing page copy
Headline: Your policy can be perfect — and Amazon can still reject the certificate. Subhead: From November 2, 2026, Amazon requires $1M liability coverage from every seller in 11 safety categories — no more $10k exemption. CoverReady checks your COI against all 12 of Amazon's published requirements, flags your category exposure, and gives you the exact fix wording to send your broker — before Seller Central suppresses a single listing. The problem: How it works: 1. Send your COI (or policy summary) + your Seller Central legal entity name + your catalog categories. Five-minute intake form. 2. Our checker validates all 12 Amazon requirements an
FAQ
Do you sell insurance? No. Never. We check certificates against Amazon's published requirements. Buy your policy anywhere — Accelerator, broker, or direct. What are the 12 checks? Policy type (CGL/umbrella/excess); $1M per-occurrence; $1M aggregate; deductible ≤$10,000 and stated on the COI; occurrence-based; exact additional-insured wording; insured name = Seller Central legal entity; insurer rated S&P/AM Best A− or better (or local equivalent); products/completed operations included; ≥30 days' cancellation notice to Amazon; no sunset clause; policy in force and COI signed by an authorised insurer rep. Am I affected if I sell under $10k/mont