E-Commerce Business Insurance

What Type of Insurance Does an Online Retailer Need?

Online retailers face risks that other businesses may not have to deal with. From data breaches and stolen inventory to damaged products in transit, getting the right type of business insurance is key to the success of your online retail buisness. Some common types of insurance that can help online businesses include:

General liability insurance
Commercial auto insurance
Workers’ compensation insurance
Commercial property insurance

E-commerce business insurance can help protect your company from claims like:

Bodily injury
Property damage
Loss of personally identifiable information

When it comes to getting the best e-commerce insurance, it’s important that you partner with an experienced insurance company and get the coverage your business needs.

Who Needs E-Commerce Business Insurance?

Stores that sell products online
Virtual marketplaces
Brick-and-mortar stores with an online presence

Business Owner’s Policy for E-Commerce Businesses

Many businesses get a Business Owner’s Policy (BOP) as a starting point for e-commerce business insurance. It combines three types of insurance coverage that business owners need:

General liability insurance to help cover claims that your e-commerce business caused bodily injury or property damage to someone else.

Commercial property insurance protects your online business’ owned or rented building, tools and equipment. This can include your:

Computers
Inventory
Warehouses

Business income insurance to help replace lost income if you can’t operate because of covered property damage.

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Covering Your E-Commerce Business Operations

With an online presence, your business faces unique risks that can impact your operations. E-commerce business insurance helps protect your business if the unexpected happens.

42% of small business owners said they don’t have a plan to respond to a cyberattack.¹

Damaged Property

“When my employee and I went to visit a vendor, I accidentally knocked over a box of supplies and broke everything inside of it.”

General liability insurance can help cover costs related to claims that your business caused property damage or injury to others.

Stolen Information

“The online platform I use for my retail business got hacked. The hackers stole my customers’ payment and contact information.”

Data breach insurance can help your e-commerce business respond to breaches if personally identifiable information (PII) gets lost or stolen. It can help cover your costs to notify impacted customers and offer credit monitoring services. Some insurance companies call this cyber liability insurance.

Protecting Your E-Commerce Business Property

We know expensive equipment and inventory is part of running a successful e-commerce business property. Lost or damaged property can make it hard to operate. So, it’s important to have e-commerce business insurance to protect it.

Large trucks and buses were involved in 132,000 crashes that caused injuries in 2019.²

Car Accident

“One of our delivery drivers lost control of our company truck and crashed into another car while driving to a customer’s home.”

Commercial auto insurance can help protect your employees on the road if they drive company-owned vehicles for business.

Damaged Goods

“We were expecting a shipment of supplies for our business, but the truck got into an accident and couldn’t make the delivery. We had to shut down our online store until we got another shipment delivered.”

Transit business income insurance helps cover losses due to an interruption because of damage to property in transit.

Taking Care of Your E-Commerce Team

Your employees play a key role in your e-commerce business’ success. They help run your online business and manage your inventory. If they get hurt or sick from their job, they could miss work while recovering. With the right type of e-commerce insurance, you can help them return to work.

Carpal tunnel syndrome is one of the top 10 claims of preventable absence.³

Broken Foot

“My employee was grabbing a product off of a high shelf when she fell and broke her foot.”

Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness.

Customer Lawsuit

“As a customer was picking up their online order at our warehouse, they tripped over a box and sprained their wrist. They ended up suing our business for medical costs.”

General liability insurance can help cover another person’s medical bills if they get hurt at your business.

Get the Best E-Commerce Insurance for Your Business

We know not every e-commerce business is the same. Our specialists are here to help you get the coverage that meets your risk management needs. Whether you have questions about insurance for e-commerce businesses or need help with a claim, we’ve got your back.

Discover related professions we insure:

E-Commerce Insurance Especially Made for Your Business

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E-Commerce Business Insurance