Rejected Certificate of Currency (CoC) for Beauty Category—Who are you guys using for insurance?

Hey everyone,

I’m running into a massive brick wall and need some advice on finding a new insurance provider.

I sell in the beauty/cosmetics category, and my current insurer just issued my renewal Certificate of Currency (CoC). I submitted it exactly like I have for the last few years, but it keeps getting aggressively rejected.

Nothing on the policy has changed except the dates. The Legal Entity names match perfectly, the coverage amount is fine, but the system keeps auto-rejecting it with generic “unable to verify / doesn’t meet criteria” responses. I’ve tried appealing and highlighting the exact sections, but I keep getting the runaround.

My current broker is stumped because this exact wording worked flawlessly for years, but it seems like underwriting criteria or platform bots have tightened up significantly for topical/beauty products.

For those of you successfully selling beauty/cosmetics right now:

• Which insurance providers or brokers are you currently using that actually pass verification?
• Are there specific clauses or exact wording your insurer had to add to the CoC to get it approved? (e.g., specific wording for online sales, product liability extensions, etc.?)

I’m looking to pivot to a new provider ASAP before my listing health or account gets penalized. Any recommendations or advice from fellow beauty sellers would be a lifesaver.

Thanks in advance!