General Liability Insurance
Covers third-party bodily injury and property damage claims tied to your products or operations.
How it worksRetail & Services
Insurance for E-commerce Businesses
Sell online with confidence, with coverage built around shipping, product, and cyber exposures.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Running an online store trades one set of risks for another. Without a physical storefront, slip-and-fall exposure drops, but product liability, shipping damage, and customer data protection move to the front. If a product you sell injures a customer or damages their property, a liability claim can follow even though you never met them in person.
Most e-commerce businesses store customer names, addresses, and payment details, which makes them a target for data breaches. A single incident can trigger notification costs, legal fees, and reputational damage that outlast the technical fix. Cyber liability coverage is increasingly treated as a core policy for online sellers rather than an optional add-on.
Inventory sitting in a warehouse, garage, or fulfillment center still needs property protection, and goods in transit carry their own exposure to damage or loss. Many online sellers pair a business owners policy with cyber and product liability coverage to address the full range of how their business actually operates.
Product liability
If an item you sell causes injury or property damage, you can be named in a claim even without face-to-face contact with the buyer.
Data breaches
Storing customer payment and contact information makes online sellers a target for hacking and phishing attacks.
Shipping and fulfillment damage
Goods lost or damaged in transit to customers or between warehouses can create disputes and unreimbursed losses.
Platform and business interruption
Website outages, hosting failures, or payment processor issues can halt sales and revenue for hours or days.
The coverage stack for e-commerce
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
Cyber Liability Insurance
Addresses the cost of responding to a data breach involving customer payment information.
How it worksCommercial Property Insurance
Protects inventory stored in a warehouse, garage, or fulfillment space from fire and theft.
How it worksBusiness Owner's Policy (BOP)
Combines liability and property coverage affordably for smaller online sellers.
How it worksCommercial Umbrella Insurance
Adds extra liability limits above your base policies for higher-volume sellers with larger claims exposure.
How it worksWhat it typically costs
E-commerce premiums typically track annual sales volume, product category risk, and where inventory is stored.
| Business size | Typical annual range |
|---|---|
Solo seller, low-risk products Lower sales volume and non-hazardous goods keep liability exposure modest. | $500 – $1,400 / yr |
Growing brand, $250K–$2M revenue Higher sales volume and warehouse storage raise property and liability costs. | $1,800 – $5,500 / yr |
Established seller with employees Added payroll, higher inventory value, and broader product lines increase overall exposure. | $6,000 – $15,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Annual online sales volume
- Product category and injury risk
- Where inventory is stored
- Amount of customer data collected
- Use of third-party fulfillment
- Claims and breach history
E-commerce insurance questions
Ready to compare e-commerce quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.