Online retail insurance - protect your business today
Running an online retail business has many benefits, whether it’s clothing, accessories, bags, or luggage. You can reach a wide audience, enjoy the flexibility of managing operations on your terms, and showcase your products without the costs of running a physical store.
However, it also comes with risks, such as cyber threats, supply chain disruptions, and potential issues with inventory or shipping.
While insurance may not be as stylish as your products, it gives you valuable peace of mind. Some of the features and benefits include:
- Flexible eligibility – protection for businesses with up to £5 million turnover, 75% or more sales online, and up to five employees.
- Multiple cover options - including public, products, employers, personal injury liability, property damage and business interruption.
- Business interruption - safeguard your income and increased costs of working with our optional £100,000 business interruption coverage.
Why choose Marsh Commercial?
At Marsh Commercial, we can arrange tailored online retailer insurance that protects your products, employees, workspace, and more.
As an online clothing retailer, insurance can be your safety net against unexpected bumps in the road. Whether protecting your stock from damage or loss during shipping or covering you in case of a warehouse mishap, the right cover ensures you’re not left dealing with costly surprises.
It also gives you peace of mind regarding legal matters, like customer disputes or employee accidents. Plus, with the rise of cyber threats, having protection means you can focus on growing your business without worrying about what could go wrong.
Insurance products available to buy online
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Public liability
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Products liability
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Employers liability
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Personal injury liability
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Public liability
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Business interruption
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Contents and stock
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Goods in transit
Key optional extras
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Bespoke contents, stock and business interruption covers
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Crime insurance
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Cyber insurance
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Directors and officers liability
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Marine cargo insurance
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Motor fleet insurance
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Personal accident and travel insurance
Please note that the optional covers listed above are not available through our online quote and buy facility. Please speak to one of our advisers if you’d like to add these to your policy.
Get online retail insurance now
Get covered in minutes with our quote and buy specifically designed for businesses with a turnover of less than £5 million. Have a larger turnover or just prefer a chat? Don’t worry, we’re only a phone call away.
FAQs
Online business insurance is essential because it protects your business from unexpected risks like theft, damage to your stock, cyberattacks, or legal liabilities. Whether it's a shipping issue, a customer dispute, or a data breach, having insurance ensures that you're financially covered, allowing you to focus on running and growing your business with peace of mind.
Anyone running an online store—whether selling clothes, accessories, bags, or other products—needs e-commerce insurance. This includes small business owners, large retailers, and even those selling on platforms like eBay, Amazon, Shopify, or Etsy. It protects your stock, financials, and reputation, no matter the size of your operation.
While it’s not always mandatory, online retailer business insurance is highly recommended when selling on third-party platforms like Amazon, Etsy, or eBay. Many platforms may require sellers to have insurance for liability purposes, and it also protects you from potential issues such as damaged goods, legal claims, or costly customer disputes.
As an online retailer, you should have various online business insurance in place to protect your business:
Business interruption insurance compensates for lost income if your online retail business is temporarily closed due to fires, floods, or other unforeseen disruptions.
Contents and stock Insurance covers the cost of replacing or repairing your stock if it gets damaged, lost, or stolen in a warehouse or during transit.
Cyber liability insurance protects your business against data breaches, hacking, or cyberattacks. These can be particularly damaging in e-commerce, as sensitive customer data is often stored online.
Product liability insurance protects you if a product you sell causes injury or harm to a customer, ensuring you're covered for legal and compensation costs.
If you employ staff, you’re legally required to have employers liability insurance. This covers any claims from employees who may be injured or fall ill due to their work.
Public liability insurance covers you if a customer or member of the public is injured or their property is damaged due to your business activities, such as slips, trips and falls.