Product Liability
Defends claims that a product you sold injured a buyer.
Read the Product Liability guideWhat ecommerce insurance covers
The coverage an online brand needs to sell products, protect data, and keep marketplaces and retailers happy.
What insurance does an ecommerce business need?
An ecommerce brand typically carries product liability and general liability for injury and damage claims, cyber liability for data breaches, product recall for pulled inventory, and business interruption to replace lost income. Together these cover the core exposures of selling products online across marketplaces and direct channels.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Most online sellers carry these
General Liability
Required by every major marketplace and retailer.
Read the General Liability guideProduct Recall
Covers the cost of pulling a product from circulation.
Read the Product Recall guideCyber Liability
Pays for breaches of buyer and payment data.
Read the Cyber Liability guideBusiness Interruption
Replaces lost income when operations stop after a covered loss.
Read the Business Interruption guideRecommended
Common once you hold inventory or staff
Business Owners Policy
Bundles property, liability, and business interruption into one policy.
Read the Business Owners Policy guideCommercial Property
Protects warehouse, office, inventory, and equipment.
Read the Commercial Property guideWorkers Compensation
Required in most states once you hire employees.
Read the Workers Compensation guideSituational
Add these as exposures grow
Cargo & Transit
Covers goods moving between manufacturer, warehouse, and buyer.
Read the Cargo & Transit guideUmbrella / Excess
Adds higher limits that big retailers often require.
Read the Umbrella Insurance guideBy segment
How the stack shifts by ecommerce type
Every ecommerce carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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