Are you exposed on November 2?

Two minutes. No email required to get your verdict.

From November 2, 2026, Amazon removes the $10,000/month sales exemption for liability insurance in 11 enhanced-safety categories. If you sell in one of them, you need a $1M/$1M commercial liability policy on file — at any sales level — or your listings can be suppressed. And if you already bought a policy, the certificate itself can still be rejected on paperwork details. Answer three questions.

Question 1 — What do you sell?

Do any of your ASINs sit in one of these enhanced-safety categories?

• Children's products / toys & games
• Baby products
• Beauty & personal care (topical) / cosmetics
• Health & household — supplements & ingestibles
• Personal care appliances
• Electronics — plug-in / heat-generating (incl. lithium batteries)
• Small kitchen appliances
• Mattresses
• Tires & wheels
• Helmets, generators, and fire / sleep / personal-safety goods
• Sports & outdoors safety gear

Yes — the Nov 2 rule applies to you regardless of sales (verdict A below). Not sure — treat as affected until proven otherwise; one enhanced-safety ASIN is enough. No — go to Question 2.

Question 2 — How much do you sell?

In any single month in the last year, did your Amazon sales exceed $10,000?

Yes — the standard $10k trigger already requires a compliant policy and an accepted certificate (verdict B). No — on today's rules you are not currently required (verdict D) — until you cross $10k in any month or add an enhanced-safety ASIN.

Question 3 — Do you already have a policy?

Yes — having a policy is not the finish line; run the bounce-risk self-check below. No policy yet — buy anywhere (Amazon Insurance Accelerator, your broker, or direct), and hand the seller this spec so the first certificate comes back right: CGL (or umbrella/excess); $1M per occurrence / $1M aggregate; deductible ≤ $10,000 and stated on the COI; occurrence-based; additional insured: "Amazon.com Services LLC and its affiliates and assignees"; insured name = your Seller Central legal entity; insurer rated A− or better (S&P / AM Best or local equivalent); products/completed operations included; ≥30 days' cancellation notice; no sunset clause.

The bounce-risk self-check

Most rejections are paperwork. If you answer "no" or "not sure" to any of these five, your certificate is at real risk of bouncing:

1. Does your certificate name "Amazon.com Services LLC and its affiliates and assignees" as additional insured — that exact wording, not "Amazon.com, Inc."?
2. Is your deductible $10,000 or less — and printed on the certificate itself (not just in the policy)?
3. Does the insured name match your Seller Central legal entity name exactly, character for character?
4. Is the policy occurrence-based (not claims-made)?
5. Do the policy dates on the certificate match what's in Seller Central, and is the policy in force today?

Any "no / not sure" → your policy may be fine and your certificate can still bounce. That's exactly what the 12-point check exists for — all twelve requirements, line by line, plus the exact corrected wording to send your broker.

Your verdict

• A — Affected, Nov 2 rule: you sell in an enhanced-safety category. The exemption is gone; get a compliant policy on file by November 2, 2026.
• B — Affected, standard trigger: you've crossed $10k in a month. A compliant policy and an accepted certificate are already required.
• C — Policy at bounce risk: you have a policy but flagged a self-check item. Get the certificate verified before you upload — each rejection cycle costs days in Q4.
• D — Not currently required: no action today. Sentinel watches the two things that change this — sales crossing $10k and new category exposure — for $49/mo.

We check certificates. We never sell insurance. No commissions, no steering — a document-compliance check against Amazon's published requirements, priced like one.
CoverReady is a document-compliance service. It does not sell, broker, quote, or bind insurance, and gives no insurance or legal advice. Coverage decisions belong to you and your licensed broker/insurer. Rule summary compiled from Amazon's published requirements as of October 2026.