Business Insurance for E-Commerce and Online Retailers

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Save money by comparing insurance quotes for online retailers

Even though you don't run a brick-and-mortar shop, you share many risks with traditional businesses. Protect your e-commerce store with affordable insurance for online businesses.

Online retailer packing items into a box.

Compare quotes from trusted U.S. carriers

Insureon helps e-commerce and online retailers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do e-commerce and online retailers need?

These policies provide coverage for the most common risks of online retail.

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for online retailers.

BEST FOR

Customer injuries
Stolen or damaged inventory
Business interruption incidents

General liability insurance

This policy covers basic e-commerce risks, such as a delivery person stumbling on your porch and breaking a leg. Bundle with property insurance in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for e-commerce businesses that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Commercial umbrella insurance

Once an online business reaches its policy limit, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability policies.

BEST FOR

Customer injury lawsuits
Customer property damage lawsuits
Employee injury lawsuits

Looking for different coverage? See more policies.

Why do e-commerce and online retailers need insurance?

As an online store owner, you may think you’ve dodged a lot of liability, but you still face many of the same risks of any retail store. With the right e-commerce business insurance, you gain protection against damaged inventory, product liability lawsuits, and other unexpected costs.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

Several factors will have an impact on insurance costs, including:

Retail products and services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Custom programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant