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.

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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 icon

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.

  • Customer injuries
  • Stolen or damaged inventory
  • Business interruption incidents
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' compensation for e-commerce stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps online stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
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Commercial auto insurance

Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving an online retailer's delivery van or other vehicle.

  • Damage to another vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
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?

Retailer with a clipboard calculating the cost of business insurance.

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
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