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Why do e-commerce retailers need business insurance?
Even though you don't run a brick-and-mortar shop, you share many risks with traditional businesses. A customer could sue over harm caused by a product, or a fire could destroy your inventory. Business insurance helps your online store recover from lawsuits, theft, injuries, and accidents.
Find affordable coverage
E-commerce shops and online resellers can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do e-commerce and online retailers need?
These insurance policies cover the most common risks of online retail.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It protects against theft, fires, and customer lawsuits.
BEST FOR
- Customer injuries
- Stolen or damaged inventory
- Business interruption insurance
General liability insurance
A general liability policy covers basic risks of running an online shop, such as a delivery person who slips on an icy front step of your physical location. It also covers libel and copyright claims.
BEST FOR
- Customer bodily injuries
- Libel and other advertising injuries
- Product liability insurance
Workers’ compensation insurance
Almost every state requires workers' comp for e-commerce stores that have employees. It also protects sole proprietors from work-related medical costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy helps online stores survive data breaches and cyberattacks. It's recommended for any small business that handles credit card numbers or other sensitive information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Umbrella insurance provides additional coverage when an online business reaches the limit on its general liability, commercial auto, or employer's liability insurance policy.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by retailers. This policy covers accidents involving a small business owner’s delivery van or other vehicle.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Repairs due to vandalism or weather
Looking for different coverage? See more policies.
How much does insurance cost for retail businesses?
A small e-commerce shop will pay less for insurance than a larger business.
Factors that affect premiums include:
- Retail products and services offered
- Business income
- Business operations
- Claims history
- Types of insurance coverage
- Policy limits and deductibles
Top e-commerce businesses we insure
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We insure most businesses.
How do I get e-commerce business insurance?
It's easy to get e-commerce and online retailer business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for e-commerce retailers and online marketplaces, whether you work independently or hire employees.
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