Amazon sellers
Beer, liquor, and wine stores
Bridal shops
Candle makers
Candy stores
Clothing stores
Computer and electronics stores
Consignment and thrift stores
Convenience and drug stores
Crafters and artisans
Florists
Furniture stores
Grocery stores
Jewelry stores
Music stores
Pet stores
Smoke, tobacco, and vape shopsCompare insurance quotes for online retailers
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?
Business Insurance for E-Commerce and Online Retailers
Compare multiple quotes from top carriers with one application.
What kind of work do you do?
We partner with trusted A-rated insurance companies
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 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
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
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
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.
BEST FOR
- 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?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
What our customers are saying
