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From your first Shopify sale to international fulfillment. One broker, every policy, every channel.
Trusted by 60+ carrier partners
Flat Fee. Regardless of Premium
Commission-based brokers earn more when you pay more. A flat fee aligns us with your bottom line.
We Shop The Full Market
Your risk profile goes to 60+ carriers. They compete, and that competition drives real savings.
No More Year-End Audit Surprises
Revenue spikes mean premium audit surprises. Quarterly endorsements keep your coverage current and your cash flow predictable.
Coverage programs shaped by what you sell, how you sell it, and the carriers that understand your category.
Get a quoteSend us your current policies. We map your risk profile and deliver a clear, actionable plan.
Before we shop a single carrier, we make sure you understand where you stand.
We read your current policies and flag gaps, redundancies, and areas of over- or under-insurance.
Your premiums compared to what ecommerce brands at your revenue level typically pay.
A clear report with findings and a recommended path forward: adjust coverage, shop rates, or both.
Coverage matched to how you sell and what you sell
Selling online and in retail? One program covers every channel
Direct-to-consumer brands selling through their own storefront
FBA and FBM sellers who need compliant coverage to stay listed
Walmart, Target+, Faire, and other platforms with insurance requirements
Recurring shipments mean recurring risk. Coverage sized to your shipping cadence
Every policy a brand needs, shopped across the full market.
Required by every major marketplace and retailer
Your first line of defense against customer injury claims
Protects breaches of customer data, costs starting at a few hundred/year
Bundles property + liability + business interruption
Warehouse, office, inventory, and equipment
Goods moving between manufacturer, 3PL, and customer
Higher limits required by major retailers like Costco and Target
Required in most states if you have employees
Covers the cost of pulling a product from shelves or circulation
Need coverage not listed here? Let's talk about your specific exposures. Or see our full cost breakdown for ecommerce sellers.
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.
Your quote
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AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.
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 60+ 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, and 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.
