Compare insurance quotes for online retailers
Save money by comparing insurance quotes from multiple carriers.
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.
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 business owner’s policy bundles 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
- Libel or slander lawsuits
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
Umbrella / excess liability 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.
How much does insurance cost for retail businesses?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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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.