E-commerce merchant

Running your own business comes with plenty of achievements, but every business also has its own risks.

Everything you need

Why do e-commerce merchants need insurance?

E-commerce businesses are often left in the dark when it comes to protecting what they have built. No matter what type of e-commerce business you operate, each one comes with a particular set of common risks. Obtaining the right insurance is crucial to protect your business from:

Loss Prevention

Lost, stolen, or damaged property and inventory


Reputational damage and customer lawsuit


Employees accidents and injuries


Business interruption and lost income


Defective or malfunctioning products

Online Presence

Cyber security

What does e-commerce merchant insurance cover

Choosing the right e-commerce business insurance can help protect you from costly risks and liabilities, but the right policies for your business will depend on the services you offer.

Here are some of the most popular insurance policies for e-commerce businesses, covering the most common risks you'll face as an e-commerce business owner:

Bodily Injury

Someone other than you (or an employee) is injured and your business is responsible for medical, legal and damages.

Third-Party Property Damage

Customer property is damaged by you (or an employee).

Advertising and Reputational Injury

Your business is accused of copyright infringement, malicious prosecution, slander, libel, wrongful eviction and violating a person's privacy.

Product Liability

Products developed or sold by your business harm people or property, and your business is responsible for legal and medical expenses.

What types of e-commerce merchant do we cover?

How much does e-commerce merchant insurance cost?

Coverdash helps you identify the appropriate coverage to suit your e-commerce business needs without breaking the bank. The exact amount you pay will depend on:

  • The type of e-commerce business you operate
  • Your revenue and employee payroll
  • Your number of employees
  • Your business location
Business insurance
in a dash.
Get a quote