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$30,000 in legal fees. Just to get dismissed from a lawsuit. The seller didn't make the product, didn't ship it, didn't fulfill it. The customer tripped over the FBA box on their doorstep and sued everyone.

Ashlin Hadden has insured more than 5,000 e-commerce businesses. She processes 50-100 insurance applications a week for Amazon sellers. Today she breaks down what Amazon actually requires, what your LLC doesn't protect you from, why your homeowner's insurance won't cover your inventory, and the seven product categories you should never sell without a policy.

Chapters:

00:00 - Ashlin's Origin Story

04:57 - What Amazon Actually Requires

06:14 - General Liability vs. Product Liability

07:10 - You Jumped on Someone's Listing. You're Responsible for It.

08:10 - "Your LLC Can't Pick Up the Phone and Defend You"

10:46 - What Happens When You Get Sued (The Claims Process)

12:12 - How Much Coverage Do You Actually Need?

14:13 - Umbrella Policies and Excess Coverage Explained

16:33 - The $30,000 Lawsuit Over a Box on a Doorstep

19:00 - 7 Products You Should NEVER Sell Without Insurance

22:12 - A Resistance Band Hit a Surgeon in the Face (Horror Story)

26:00 - Your Homeowner's Insurance Won't Cover Your Inventory

28:06 - Prep Center Risk: Only a Handful Actually Have Coverage

30:05 - Prop 65: California's Ambulance Chaser Problem

32:34 - Cease & Desist: Is Legal Defense Covered?

34:00 - What Does Insurance Actually Cost? ($600 to $150K)

37:37 - How to Get Started (Application to COI in a Day)

38:52 - Lightning Round: One Thing Every Seller Must Know

Follow Ashlin:

Website: ecom.insure

Email: sales@ashlinhaddeninsurance.com

Social: @ashlinhadden everywhere

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X/Twitter: @cleartheshelf

Newsletter: https://cleartheshelf.com/newsletter

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X/Twitter: @ChrisRacic

Newsletter: https://oaleads247.com