August 25, 2026
Marketplace Insurance Requirements Compared: Amazon vs Walmart vs Shopify vs Etsy
Compare insurance requirements for Amazon, Walmart, Shopify, Etsy, TikTok Shop, and eBay. One policy can cover all your marketplace channels.
E-Commerce & Online Sellers
Insurance insights for online retailers, marketplace sellers, and DTC brands.
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August 25, 2026
ComparisonsMarketplace Insurance Requirements Compared: Amazon vs Walmart vs Shopify vs Etsy
Compare insurance requirements for Amazon, Walmart, Shopify, Etsy, TikTok Shop, and eBay. One policy can cover all your marketplace channels.
11 min read
August 5, 2026
ComparisonsWhat Insurance Is Required for Multi-Channel Ecommerce Sellers?
Marketplaces require $1M to $2M. Wholesale and big-box supplier contracts require $3M to $5M. How channel requirements stack onto one policy.
7 min read
August 5, 2026
ExplainersUmbrella & Excess Liability Insurance for a Cosmetics Brand: Coverage Requirements
Walmart puts anything applied to hair or skin in a $5M/$10M product liability tier. What that forces a cosmetics brand to build, and where it fails.
8 min read
August 4, 2026
ComparisonsTarget and Walmart Vendor Insurance Requirements: What CPG Brands Must Carry
What Target, Walmart, Kroger and Costco require from CPG vendors: general liability limits, product liability tiers, carrier ratings and CG 20 15.
8 min read
July 25, 2026
ExplainersUpdating Business Insurance When Revenue Grows (2026)
Revenue doubled since your last policy? Update your sales estimate and limits mid-term so the year-end audit true-up and higher exposure don't catch you out.
6 min read
July 25, 2026
ComparisonsPrivate Label vs Dropshipping Insurance (2026)
Private label vs dropshipping insurance splits on product liability: a private-label brand is rated as the manufacturer, while a dropshipper is still liable as the seller. How each prices at renewal.
7 min read
July 24, 2026
ExplainersChanging Suppliers and Your Business Insurance in 2026
Changing suppliers or products shifts your product liability risk. Here is what to tell your carrier, why your brand stays liable, and what a supplier's insurance really covers.
7 min read
July 24, 2026
How-ToCo-Packer Additional Insured: What Your Food Co-Manufacturer's Contract Requires
Signing a co-packing deal? Decode the insurance clause: who names whom as additional insured, CG 20 15 vs CG 20 10, waiver, limits.
9 min read
July 24, 2026
ExplainersDoes Your US Ecommerce Insurance Cover International Shopify Sales?
Standard US policies cover the US, Puerto Rico, and Canada. What your general liability, product liability, and cyber miss on international Shopify sales.
9 min read
July 23, 2026
How-ToCosmetics Insurance for a One-Person Brand: Coverage for Home-Based and Solo Makers
What a solo or home-based cosmetics maker actually needs, why homeowners won't cover it, how MoCRA's small-business rules apply, and how to bind coverage.
8 min read
July 22, 2026
ExplainersHow to Cancel Business Insurance Mid-Term (2026)
How to cancel business insurance mid-term and switch carriers without a coverage gap: pro rata vs short-rate refunds, effective-date timing, and the claims-made tail trap.
7 min read
July 22, 2026
ExplainersHow Claims History Affects Your Insurance Renewal (2026)
Claims history drives your insurance renewal more than any other factor. See how carriers read your claims record, how far back they look, and how a clean record earns a lower renewal premium.
8 min read
July 22, 2026
ExplainersProp 65 Warning Lawsuits and CPG Brands: What Your Insurance Does (and Doesn't) Cover
Standard general liability and product liability policies exclude the Prop 65 civil penalty. Here is where a CPG brand's defense costs may still respond.
9 min read
July 22, 2026
How-ToWhat Insurance Does Whole Foods Require From Food Vendors? (COI, Limits, and the CG 20 15 Endorsement)
Whole Foods wants a COI with products-completed operations, a CG 20 15 additional-insured endorsement, and an A- carrier. Limits by tier plus steps.
10 min read
July 21, 2026
ChecklistsAmazon Seller Insurance Renewal Checklist (2026)
An Amazon seller insurance renewal checklist for FBA brands: keep Amazon's $1M limits and additional insured, match limits to revenue, and close the FBA inventory gap.
7 min read
July 21, 2026
ExplainersHow Your Insurance Broker Gets Paid (and What That Means for Your Premium)
Insurance brokers earn three ways: commission baked into your premium, carrier contingent bonuses, and direct fees. Here is how each affects your rate.
7 min read
July 20, 2026
Checklists12 Questions to Ask Your Insurance Broker at Renewal in 2026
The 12 questions to ask your insurance broker at renewal, grouped into market access, coverage and limits, and economics, plus a copy-paste email.
9 min read
July 20, 2026
How-ToIngredient and Contract Manufacturer Liability for Supplement Brands: Who Pays When a Raw Material Fails
How a supplement brand's insurance handles an ingredient or CMO defect: your own product liability, the vendors endorsement, and subrogation upstream.
10 min read
July 20, 2026
ExplainersUndeclared Allergen Recall Insurance: How a Mislabeling Claim Hits a DTC Food Brand
An undeclared allergen recall hits two coverages: recall insurance pays the pull, product liability pays the allergic reaction. What each one covers.
9 min read
July 20, 2026
ExplainersWhen to Increase Business Insurance Limits as You Scale in 2026
Raise your business insurance limits on five triggers: a revenue-band crossing, a new channel, a high-risk product, a contract demand, or a large claim.
8 min read
July 19, 2026
ExplainersFalse Advertising Class Action Insurance for DTC Brands (2026)
General liability rarely covers false advertising class actions over 'all natural,' 'clean,' or 'made in USA' labels. Where real DTC coverage lives.
9 min read
July 19, 2026
How-ToHow to Read an Insurance Renewal Quote (2026)
Read an insurance renewal quote line by line off the declarations page: named insured, limits, deductibles, premium, and the forms that show what changed since last year.
7 min read
July 18, 2026
ExplainersInsurance Diligence When You Sell Your Ecommerce Brand: A 2026 Playbook
Ecommerce business sale insurance diligence covers tail coverage, R&W insurance, and your 5-year loss run. Here is the 12-month founder playbook.
10 min read
July 18, 2026
How-ToNon-Renewal Recovery: What to Do When Your Carrier Drops Your Ecommerce Business
A non-renewal of business insurance means the carrier won't offer new terms at expiration. The four-step playbook to replace your ecommerce coverage fast.
9 min read
July 18, 2026
How-ToHow to Lower Your Insurance Premium at Renewal (2026)
How to lower your insurance premium at renewal: shop competing quotes, trade deductibles and limits, and separate the levers you control from market rate.
9 min read
July 18, 2026
ExplainersSwitching Insurance Carriers With an Open Claim: What Happens to Coverage in 2026
How switching insurance carriers with an open claim works: which carrier owns the claim, matching the retroactive date, and when to buy tail coverage.
8 min read
July 15, 2026
Cost GuidesProfessional Liability (E&O) Insurance for Marketing Agencies: Cost and Coverage
What professional liability (E&O) insurance costs for a marketing agency, what it covers, how it handles copyright and defamation, and client limits.
7 min read
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 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 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.
10 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
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
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 28, 2026
ComparisonsEcommerce Inventory Insurance: 3PL Warehouses and In-Transit Gaps
How to insure ecommerce inventory at 3PL warehouses and in transit, and when to choose inland marine vs stock throughput coverage.
11 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 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 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 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 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.
9 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
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.
10 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
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
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 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
April 11, 2026
ExplainersProduct Liability Insurance for Ecommerce (2026)
Product liability insurance for ecommerce sellers: what it covers, who needs it, real costs by product category, and marketplace requirements from Amazon to TikTok Shop.
7 min read
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