(Bloomberg) – Like many people who make their living selling stuff on Amazon.com Inc., Rob Griffin is terrified of getting kicked off the site.

Two years ago the Atlanta resident was suspended for selling a banned health supplement and wound up living off his credit cards for a few weeks. Amazon reinstated Griffin, but the memory lingers.

So when an insurance agent offered to sell Griffin a $1,200 policy covering up to $1 million of income lost during an Amazon suspension, he didn't hesitate. "It was an easy decision," says Griffin, who supports a family of five selling cats claw, garlic capsules and more. "I wanted some protection."

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