July 14, 2026
Lithium Battery Fire Insurance: Will Product Liability Cover the Claim? (2026)
Does product liability cover a lithium-ion battery fire your product causes? What pays, the exclusion carriers attach, and how UL listing affects it.
E-Commerce & Online Sellers
Insurance insights for online retailers, marketplace sellers, and DTC brands.
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Explainers
July 14, 2026
ExplainersLithium Battery Fire Insurance: Will Product Liability Cover the Claim? (2026)
Does product liability cover a lithium-ion battery fire your product causes? What pays, the exclusion carriers attach, and how UL listing affects it.
9 min read
July 13, 2026
ExplainersCBD and Supplements for Pets: What Insurance Covers an Animal Adverse-Reaction Claim (2026)
Does insurance cover a pet supplement or pet-CBD brand for an animal adverse reaction? What product liability covers and the exclusion that voids it.
8 min read
July 8, 2026
ExplainersPediatric Gummy Vitamin Injury: Kids Supplement Insurance and Liability (2026)
A child overdose on gummy vitamins or melatonin stacks two claims: the injury and defective packaging. What supplement insurance covers and excludes.
9 min read
July 7, 2026
ExplainersForeign Object in the Jar: Food Contamination and Recall Insurance (2026)
Glass or metal in a food product triggers two coverages: product liability pays the injury, recall insurance pays the pull. What each covers.
9 min read
July 6, 2026
ExplainersSelling Refurbished or "Renewed" Products: Are You the Manufacturer Now? (2026)
Reselling refurbished or renewed products can make you liable as the manufacturer. What product liability covers, and what it excludes.
8 min read
June 16, 2026
ExplainersDoes Product Liability Insurance Cover New Products? What We Find in Real Coverage Reviews (2026)
A coverage review found a scaling brand's newest SKUs uninsured. Your policy covers a scheduled list, not your whole catalog. Here is how to check.
10 min read
June 4, 2026
ExplainersTrademark Lawsuit Insurance for Ecommerce: What GL Coverage B Pays For (and What It Won't) in 2026
Trademark lawsuit insurance for ecommerce sits inside GL Coverage B, but only for ads, not products. Here's what your policy will and won't defend.
10 min read
May 30, 2026
ExplainersEcommerce Class Action Insurance: BIPA, Prop 65, and False Advertising Coverage in 2026
Ecommerce class action insurance for BIPA, Prop 65, and false advertising usually sits in a coverage gap. Here is what actually responds.
11 min read
May 30, 2026
ExplainersSupply Chain Disruption Insurance for Ecommerce Brands in 2026
Supply chain disruption insurance for ecommerce: when CBI pays, when TDI applies, why tariffs are excluded, and what fits a $1M to $20M brand.
10 min read
May 30, 2026
ExplainersHow to Cover Multiple Brand LLCs on One Ecommerce Insurance Policy
How to cover multiple brand LLCs as named insureds on one ecommerce policy: the named vs additional insured trap, marketplace COIs, and when to split.
10 min read
May 30, 2026
ExplainersEPLI for Ecommerce Brands: When You Need Employment Practices Coverage
When does an ecommerce brand need EPLI? Trigger thresholds by employee count and state, plus what employment practices liability costs and excludes.
9 min read
May 28, 2026
ExplainersEcommerce Umbrella Insurance in 2026: When You Need Higher Limits
Ecommerce umbrella insurance adds limits above your GL, starting at $900-$1,500/yr per million. Covers costs, coverage gaps, and marketplace requirements.
10 min read
May 27, 2026
ExplainersCommercial Crime Insurance for Ecommerce in 2026: ACH Fraud, Wire Fraud, and Vendor Email Scams
Commercial crime insurance for ecommerce covers employee theft, ACH and wire fraud, and vendor email scams. What it covers, the sublimits, and 2026 cost.
9 min read
May 26, 2026
ExplainersProduct Recall Insurance for DTC Brands: What It Covers and What It Costs
Product recall insurance covers executing a recall: notification, return shipping, disposal, and lost profit. What it covers and what it costs.
9 min read
May 21, 2026
ExplainersMy Insurance Company Won't Renew My Policy: What Ecommerce Sellers Should Do (2026)
Your carrier non-renewed your ecommerce policy. Learn what it means, how much time you have, and how to find replacement coverage without a gap.
8 min read
May 11, 2026
ExplainersWhen to Switch Your Ecommerce Insurance Broker in 2026
Operational red flags that signal you should switch ecommerce insurance broker, plus the BOR letter mechanics to do it without lapsing coverage.
8 min read
May 11, 2026
ExplainersWhat Drives Your Ecommerce Insurance Premium at Renewal
Six events drive ecommerce insurance renewal premiums: revenue, supplier change, recalls, new categories, loss ratio, hard market. Five are controllable.
11 min read
May 11, 2026
ExplainersHome Based Business Insurance: Does Homeowners Cover Ecommerce? (2026)
Your homeowners policy caps business property at $2,500 to $3,000 and excludes liability entirely. What home-based ecommerce sellers actually need.
8 min read
May 7, 2026
ExplainersWhy Is My Business Insurance Going Up in 2026?
Your 2026 ecommerce renewal went up because of what you sell, claims history, and revenue growth. Here's what drives each factor and when to push back.
9 min read
May 6, 2026
ExplainersWhat Happens When Ecommerce Business Insurance Lapses?
A business insurance lapse breaches lender covenants, wholesale contracts, and marketplace agreements. Consequence map and prevention.
11 min read
May 2, 2026
ExplainersOnline Store Insurance for Shopify Sellers (2026)
Shopify's TOS leave sellers fully exposed. What online store insurance you need, costs by revenue tier, and which product categories pay more.
11 min read
April 30, 2026
ExplainersDo Amazon Sellers Need Insurance?
Once your monthly sales cross $10K, Amazon gives you 30 days to upload a compliant COI. The exact requirements, the rejection traps most sellers hit, and what happens when the clock runs out.
10 min read
April 29, 2026
ExplainersEcommerce Business Risks in 2026: What Goes Wrong and What Covers It
The six biggest ecommerce business risks mapped to the insurance coverage that addresses each one, with current claim data and the coverage gaps most sellers miss.
13 min read
April 11, 2026
ExplainersWhat Is Product Liability Insurance? A Guide for Online Sellers (2026)
Product liability insurance explained for ecommerce sellers. What it covers, how it fits with general liability, marketplace requirements, and real cost ranges by product type.
10 min read
Cost Guides
May 22, 2026
Cost GuidesDoes Your DTC Brand Need D&O Insurance? When Investors and Boards Trigger It
Does your DTC brand need D&O insurance? See the events that trigger it and what private-company coverage costs by revenue and funding stage.
9 min read
May 1, 2026
Cost GuidesEcommerce Business Insurance Cost in 2026
What ecommerce sellers pay for product liability, general liability, and BOP coverage in 2026. Cost ranges by revenue tier and product category.
9 min read
How-To
May 19, 2026
How-ToHow to Dispute Your Ecommerce Insurance Premium Audit (2026)
Step-by-step guide to disputing an insurance premium audit. Covers common ecommerce audit errors, documentation, timelines, and escalation paths.
10 min read
May 6, 2026
How-ToHow to Get and Renew a Certificate of Insurance for Marketplaces (2026)
Exact additional insured wording, upload paths, and rejection fixes for Amazon, Walmart, and TikTok Shop COIs. Renewal timelines included.
9 min read
Checklists
June 13, 2026
ChecklistsSupplier Insurance Requirements: A Manufacturer Checklist (2026)
Supplier insurance requirements for a brand: product liability, the vendors endorsement, indemnification, the limits to demand, and the coverage you keep.
8 min read
June 12, 2026
ChecklistsProduct Recall Readiness Checklist for DTC Brands (2026)
A step-by-step recall readiness checklist for DTC brands: your written plan, regulator deadlines, traceability records, and the insurance to verify first.
7 min read
June 11, 2026
ChecklistsFirst Employee Insurance Checklist: Workers' Comp and EPLI Setup (2026)
Hiring your first W-2 employee? When workers' comp is required, why EPLI starts at hire one, what both policies cost, and what to set up before day one.
8 min read
June 11, 2026
Checklists3PL Contract Insurance Terms: The Clause Checklist (2026)
The insurance terms to negotiate into your 3PL contract: liability caps, additional insured status, indemnification, and the coverage you still need.
9 min read
June 10, 2026
ChecklistsCyber Insurance Requirements: Controls to Qualify (2026)
The controls underwriters require before they bind cyber insurance: MFA, EDR, tested offline backups, plus what gets a DTC brand declined.
11 min read
June 10, 2026
ChecklistsMulti-State Workers' Comp Compliance Checklist for Ecommerce (2026)
Hiring across states? The multi-state workers' comp checklist: which states require coverage, monopolistic states, remote employees, and cost.
9 min read
June 10, 2026
ChecklistsData Breach Response Plan: A Cyber Insurance Checklist (2026)
An insurance-first data breach response plan: call the carrier first, use panel vendors, get consent, and hit notification deadlines so the claim pays.
9 min read
June 10, 2026
Checklists5 Insurance Moves to Make Before a Product Recall (2026)
Product recall insurance and four moves to make before a recall: matching retailer limits, your co-packer's COI, a practiced recall plan, and contracts.
9 min read
June 10, 2026
ChecklistsAdditional Insured Endorsement Checklist for Retail Partners (2026)
A retailer wants you added as additional insured? The endorsement checklist: the right ISO form, limits to match, and what it costs.
10 min read
May 11, 2026
ChecklistsEcommerce Business Insurance Audit: A CFO's Annual Checklist (2026)
An ecommerce business insurance audit runs 90-120 days before renewal across six checkpoints and produces three deliverables. Full CFO checklist inside.
13 min read
April 27, 2026
ChecklistsEcommerce Business Insurance: A New Seller's Checklist (2026)
Which ecommerce business insurance do new sellers need first, what can wait, and how marketplace insurance requirements actually work in 2026.
10 min read
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