Insurance for ecommerce & online retail businesses
Online retailers carry a different risk profile than a storefront business: every checkout is a potential data-breach liability, every SKU you sell is a potential product-liability claim, and your inventory usually sits in a warehouse or fulfillment center rather than a space customers walk through. The policies below are what a growing online store typically carries.
Ecommerce brand businesses face 5 common insurance needs — here's what typical coverage costs
Based on our curated catalog of small-business insurance policies. Your actual quote may vary.
Typical essential-coverage bundle
$90–$300/mo
Sum of the 2 essential policies below — not a quote.
What puts you at risk
- Customer payment data flowing through your checkout on every order
- Product-liability exposure for anything you manufacture, private-label, or resell
- Inventory value concentrated in one or two storage locations
- Chargebacks and fraud disputes that can escalate into legal claims
Payment data flowing through every checkout is the risk a storefront business never has to price.
Buy the 2 essential policies below first — together they run $90-$300/mo and cover the risks specific to this industry. The 3 recommended policies further down are worth adding as revenue, headcount, or contract size grows — not before.
Essential policies
Worth adding as you grow
Protects inventory held in a warehouse or fulfillment space against fire, theft, and weather damage.
$50–$250/mo
Bundles general liability and property together at a discount once you have a physical storage location.
$60–$200/mo
Worth adding once revenue grows, since product-liability judgments can exceed a standard GL limit.
$40–$150/mo