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.
These insurance policies cover the most common risks of online retail.
A BOP bundles commercial property insurance and general liability coverage at a discount. It protects against theft, fires, and customer lawsuits.
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.
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.
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.
Umbrella insurance provides additional coverage when an online business reaches the limit on its general liability, commercial auto, or employer's liability insurance policy.
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.
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:
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.