Online business insurance is essential because it protects your business from unexpected risks like theft, damage to your stock, cyber attacks, or legal liabilities as a business owner. 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.
Specialist insurance for online retailers
- Multiple cover options - including product liability and stock cover.
- Global coverage - protect your business from losses anywhere in the world.
- Includes cover for online retailers selling on Amazon, Etsy, Ebay, Shopify and Wayfair.
Why choose Marsh Commercial?
We know that every online business is different, especially those operating in the online retail sector. So, a one-size-fits-all approach to e-commerce insurance doesn’t work. At Marsh Commercial, we can arrange tailored online retailer insurance that protects your products, employees, workspace, and more.
As an online retail business, 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.
You can also protect your business anywhere in the world (including 100% sales to USA and Canada) with cover for business contents, stock, and items in transit up to £25,000.
Don't leave your online retail business unprotected. Speak to our team of experts in e-commerce insurance for a free, no obligation quote.
Get your free no-obligation online retailers insurance quote today
Standard Covers
- Public and product liability: Choose from liability limits of £1 million, £2 million or £5 million.
- Business interruption.
- Contents and stock.
- Employers liability.
- Multiple payment options.
Optional covers*
- Goods in transit.
- Marine cargo.
- Directors and officers liability.
- Cyber insurance.
- Personal accident and travel insurance.
Get your free no-obligation online retailers insurance quote today
Online retailer insurance FAQs
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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, Etsy or Wayfair. It protects your stock, financials, and reputation, no matter the size of your operation.
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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.
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As an online retailer, you should have comprehensive 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 on location.
Cyber liability insurance protects your business against data breaches, hacking, or cyber attacks. These can be particularly damaging in ecommerce, as sensitive customer data is often stored online.
Product liability insurance protects you if an item 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.
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Yes, even small online businesses can benefit from having e-commerce insurance. While the specific coverage needs may vary depending on the size and nature of your business, having insurance can help protect your assets, reputation, and financial stability in case of unforeseen events or legal claims.
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In most cases, standard home insurance policies do not provide insurance cover for business-related activities, including running an online business from home. Home insurance policies are typically designed to cover personal property and liabilities associated with residential use.
If you run an online business from your home, it is important to review your home insurance policy and understand its limitations and exclusions regarding business activities.