Ecommerce insurance built to scale with your brand
From your first Shopify sale to international fulfillment. One broker, every policy, every channel.
Why Brands Choose Coverwatch
01 - Aligned Incentive
Flat Fee. Regardless of Premium
Most brokers make a % of your premium. We charge a flat fee, so our only incentive is to get you the best coverage at the lowest cost.
02 - Up to 40%+ in savings
We Shop The Full Market
We take your risk profile to 35+ carriers and make them compete for your business. Our market leverage often allows us to drive savings through premium price negotiation.
03 - Designed for Cashflow
No More Year-End Audit Surprises
Went from $10M to $50M this year? Congratulations, and watch out the end-of-year premium adjustment. We offer quarterly endorsements or monthly estimates so you can plan your cash flow.
How we protect your brand
We Audit Your Coverage & Build Your Risk Plan
Policies / Risk Assessment
Risk Assessment
Overall Score
Coverage Gaps
3
Policies
4
Risk Exposure by Category
Product Liability
Cyber Exposure
Shipping & Cargo
Brand Reputation
Recent Activity
We start with a complete picture of your risk
Before we shop a single carrier, we make sure you understand where you stand.
Policy audit
We read your current policies and flag gaps, redundancies, and areas where you may be over- or under-insured.
Market benchmark
We compare what you’re paying to what ecommerce brands at your revenue level typically pay for equivalent protection.
Risk plan & recommendations
A clear report with our findings and a recommended path forward. Whether that’s adjusting coverage, shopping rates, or both.
The risks brands actually face
Your broker should understand these, and have a plan for each one
Product liability claims
A customer injury or allergic reaction can trigger lawsuits that threaten your entire business
Marketplace suspension
Lapsed or inadequate coverage can get you pulled from Amazon or Walmart overnight
Cyber breaches
You collect names, emails, payment data. A breach isn't a matter of "if".
Inventory loss
Fire, flood, or theft at your warehouse or 3PL can wipe out a season of inventory
Shipping & transit damage
Goods damaged between your co-packer, warehouse, and customer's door
Chargebacks & disputes
Product liability coverage helps absorb the cost of claims that come through payment processors
Brands and sellers we protect
Coverage matched to how you sell and what you sell
By sales channel
Omnichannel Brands
Selling online and in retail? One program covers every channel
DTC / Shopify Brands
Direct-to-consumer brands selling through their own storefront
Amazon Sellers
FBA and FBM sellers who need compliant coverage to stay listed
Marketplace Sellers
Walmart, Target+, Faire, and other platforms with insurance requirements
Subscription Brands
Recurring shipments mean recurring risk. Coverage sized to your shipping cadence
By product category
Food & Beverage
Ingestible risk, recall coverage, and FDA compliance for consumable brands
Beauty & Personal Care
Formulation liability, ingredient risk, and retail distribution coverage
Supplements & Wellness
Specialized protection for ingestible and topical health products
Household & Cleaning
Chemical exposure, environmental liability, and product safety coverage
Pet Products
Coverage for animal consumables, supplements, and accessories
Marketplace insurance requirements
Each platform has its own thresholds, limits, and COI rules. Here's what you need.
Amazon
- When required
- $10K/mo in gross proceeds
- GL limits
- $1M per occurrence / $2M aggregate
- Additional insured
- Yes
- Notes
- Required for FBA and FBM. Amazon may suspend listings if coverage lapses.
Walmart Marketplace
- When required
- $100K trailing 12-month GMV
- GL limits
- $1M per occurrence / $2M aggregate
- Additional insured
- Yes
- Notes
- COI must be uploaded to Seller Center. Enforced at onboarding and renewal.
Shopify
- When required
- Not required by platform
- GL limits
- Recommended: $1M/$2M
- Additional insured
- No
- Notes
- No platform mandate, but product liability exposure exists from day one.
Target+
- When required
- Required at onboarding
- GL limits
- $1M per occurrence / $2M aggregate
- Additional insured
- Yes
- Notes
- Also requires product liability and umbrella coverage for most categories.
Faire
- When required
- Required for wholesale sellers
- GL limits
- $1M per occurrence / $2M aggregate
- Additional insured
- Varies
- Notes
- Retailers purchasing through Faire may have their own COI requirements.
Selling on a platform not listed here? Ask us about your specific requirements.
Coverage built for product sellers
Every policy a brand needs, shopped across the full market.
General Liability
Required by every major marketplace and retailer
Product Liability
Your first line of defense against customer injury claims
Cyber Liability
Protects breaches of customer data, costs starting at a few hundred/year
Business Owners Policy
Bundles property + liability + business interruption
Commercial Property
Warehouse, office, inventory, and equipment
Cargo & Transit Insurance
Goods moving between manufacturer, 3PL, and customer
Umbrella / Excess
Higher limits required by major retailers like Costco and Target
Workers Compensation
Required in most states if you have employees
Product Recall
Covers the cost of pulling a product from shelves or circulation
Need coverage not listed here? Let's talk about your specific exposures.
Focus on scaling your store.
We'll be your risk team.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you, and you'll walk away with a no-cost expert opinion.
Got Questions?
We've got answers
We charge a flat fee instead of a percentage of your premium, so we’re incentivized to lower your cost, not increase it. We also shop 35+ carriers instead of placing you with one or two.
We analyze your current policies, map your risk profile, identify gaps or redundancies, benchmark your premiums against similar brands, and deliver a clear risk plan with recommendations. No cost, no obligation.
It depends on your current program, but we typically save brands around 20% on premiums. Sometimes more, sometimes your current rates are fair — we'll tell you honestly.
We can update your policy monthly or quarterly so your coverage matches your actual revenue. This prevents the year-end audit surprise. Alternatively, monthly estimates help you plan cash flow.
Yes. We advocate for you through the entire claims process: filing, communication with the carrier, and resolution.
Instead of earning a percentage commission on your premium (which means we’d earn more if you paid more), we charge a predictable fee that scales modestly with the complexity of your program. It’s often less than what commission-based brokers earn. We may receive year-end performance-based compensation from carriers, which we disclose upfront.
Yes. Amazon requires product liability insurance once you reach $10,000 in gross proceeds in any month. You need a commercial general liability policy with at least $1 million per occurrence and $2 million aggregate, naming Amazon as an additional insured. Walmart Marketplace has similar requirements at $100,000 in trailing twelve-month GMV.
Standard general liability policies typically exclude recall costs. If you sell food, supplements, beauty products, or anything consumable, a product recall policy covers the expenses of notifying customers, shipping returns, disposal, and lost revenue during the recall period. The risk is highest for ingestible products but applies to any brand selling physical goods at scale.