Ecommerce insurance,
made simple.
The right coverage for your online business, at the best price, with a licensed advisor whenever you need one.
Why do ecommerce businesses need insurance?
Selling online comes with risks a storefront never had. The right coverage protects what you've built from:
If a product you sell injures someone or damages their property, you can be held liable, even if you didn't make it.
Online stores handle customer data and payments, making them prime targets for hackers and costly breaches.
Stock lost, stolen, or damaged in a warehouse or in transit can wipe out months of margin.
Marketplaces like Amazon and Walmart often require sellers to carry liability coverage past a sales threshold.
Delays, damaged deliveries, and chargebacks can hit your revenue and your reputation.
Cyber, professional errors, business interruption, and 40+ coverage types for whatever you face.
Product claims
If a product you sell injures someone or damages their property, you can be held liable, even if you didn't make it.
Data breaches
Online stores handle customer data and payments, making them prime targets for hackers and costly breaches.
Inventory loss
Stock lost, stolen, or damaged in a warehouse or in transit can wipe out months of margin.
Platform requirements
Marketplaces like Amazon and Walmart often require sellers to carry liability coverage past a sales threshold.
Shipping & fulfillment
Delays, damaged deliveries, and chargebacks can hit your revenue and your reputation.
And more...
Cyber, professional errors, business interruption, and 40+ coverage types for whatever you face.
What does ecommerce insurance cover?
Your business is unique. Your coverage should be too. These are the most popular policies for online businesses.
General Liability
The everyday coverage nearly every online business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
The everyday coverage nearly every online business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
General liability and property coverage bundled, usually for less than buying them apart.
General Liability
Covers third-party claims for bodily injury, property damage, and personal injury.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, and weather damage.
Business Interruption
Replaces lost income when a covered event forces you to temporarily close.
Equipment Breakdown
Covers repair or replacement when essential equipment fails unexpectedly.
Protection for your inventory and equipment.
Inventory
Covers stock lost, stolen, or damaged, whether in a warehouse, at home, or in storage.
Equipment
Protects the computers, tools, and gear you use to run your store.
In-Transit Goods
Covers products damaged or lost while being shipped or moved.
Fire, Theft & Weather
Covers physical loss from covered events.
Protection when a product you sell causes harm.
Manufacturing Defects
Covers claims that a product was flawed or dangerous when made.
Design Defects
Covers claims that a product's design made it unsafe.
Failure to Warn
Covers claims that a product lacked adequate safety warnings or instructions.
Legal Defense
Pays your defense costs even when a claim is groundless.
Protection when your data or systems are compromised.
Data Breach Response
Covers notification costs, credit monitoring, and crisis management after a breach.
Ransomware & Extortion
Pays ransom demands and remediation costs from ransomware attacks.
Payment Fraud
Covers losses tied to compromised payment systems and fraudulent transactions.
Legal & Regulatory Defense
Covers attorney fees and fines from data protection law violations.
Required in nearly every state once you have employees.
Medical Expenses
Covers the cost of treating work-related injuries and illnesses for your employees.
Lost Wages
Provides a portion of an injured employee's wages while they're unable to work.
Disability Benefits
Pays long-term benefits for employees who can no longer work due to a work-related injury.
Employer Liability
Protects you if an employee sues over a workplace injury not covered by workers' comp.
We cover a lot more than the basics.
Explore the rest of the coverages we offer for online businesses.
Policies Sold
Top Rate Insurers
Industries Covered
Trusted by 40+ leading carriers
Direct-to-Consumer Sellers
Arbitrage Sellers
Business-to-Business Sellers
Direct-to-Consumer Sellers
Drop-shippers
Business-to-Business Sellers
Subscription Sellers
Drop-shippers
Third-Party Marketplaces
Subscription Sellers
Wholesalers
Third-Party Marketplaces
International Sellers
Wholesalers
And more...
Domestic Sellers
International Sellers
How much does ecommerce insurance cost?
The right coverage doesn't have to break the bank. Your exact price depends on a few key factors:
- The products you sell
- Your annual sales revenue
- The coverage types you need
- Your inventory value
$35 /month
Your price depends on your business. Get a quote for your exact rate.
Common questions about ecommerce insurance costs
Mainly the products you sell, your annual revenue, your inventory value, and the coverages you carry. Selling higher-risk products like supplements or electronics costs more to insure than low-risk goods. Because Coverdash compares 40+ insurers, you see competitive options side by side.
Often, yes. Amazon requires sellers to carry commercial liability insurance once they pass a monthly sales threshold, and Walmart and other marketplaces have similar rules. A general liability or product liability policy usually satisfies these requirements.
Yes. Product liability covers you as the seller even if you didn't manufacture the item. If a product you resell or dropship injures a customer or damages property, you can still be held liable, and this coverage protects you.
Yes. Choosing coverage limits that match your actual risk, bundling into a Business Owner's Policy, keeping a clean claims history, and paying annually can all reduce your premium. Comparing carriers helps too, which is what Coverdash does for you.
Not usually by law, but it's often required in practice. Selling platforms, suppliers, and B2B clients frequently require proof of coverage, and workers' comp is legally required once you have employees, including warehouse and fulfillment staff.
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
Patrick S.
“I found them while searching for new commercial insurance. They are fantastic. The one thing that is most important is communication. They do a great job with communicating everything with us, along with trying to find us the best deal possible. I would recommend Coverdash to others.”
Lisa S.
“Coverdash has been amazing to work with! They listened, truly listened, to what I needed. I am in a niche market, and no one from the 10 other companies I tried to work with would listen. They were quick to make progress on a quote and kept me in the loop the whole way. I would 💯 suggest working with them.”
Mandy M.
“My csr has been wonderful!!! The most helpful and quickly, very quickly helped me get certificates to the marinas. Excellent at explaining and helping me!!!”
Terry N.
“Coverdash did a great job of getting us a quote and saving us money! They did well at communicating and answering our questions.”
Bonnie M.
“What a good experience . I had been unsuccessful in trying to get General liability for my business . They were very professional and tireless in getting two bids for me .They were patient with my struggles trying to navigate the technical end of things telling me they would help me every step of the way and they did just that ..even reading the exclusion to me .. They were patient in explaining all the terms I did not understand and sent copies of everything . They were prompt to respond to my calls and I will definitely use them again for all my insurance needs.”
Joey W.
“They helped me secure & submit insurance requirements with less than a 24 hour timeline. It was the difference between getting a contract or not for me, even though the time crunch wasn’t their problem, they helped me secure what I needed to make it happen. When AI and computers have limits, a real person knows how to get past hurdles. Highly recommend Coverdash, so glad I found them.”
Whitney C.
“I reached out to Coverdash for assistance with a COI, they were responsive and helpful throughout the process. I appreciate all their efforts to get a COI that suited my needs.”
Michael C.