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.
Specialist insurance for online retailers
- Multiple cover options - including product liability and business interruption.
- Global coverage: Protect your business anywhere in the world.
- Includes cover for online retailers selling on Amazon, Etsy and Ebay.
Why choose Marsh Commercial?
We know that every online business, especially those operating in the online retail sector, is different. So a one-size-fits-all approach to online shop 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 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.
You can also protect your business anywhere in the world (including 100% sales to USA and Canada) with cover for contents, stock, and items in transit up to £25,000.
Don't leave your online retail business unprotected. Get a free, no obligation quote and buy your cover online in minutes. Or speak to our team of experts in online retailers insurance.
Get an online retailers insurance free quote now
Buy your cover online in minutes
Covers available to buy online
- Public and product liability: Choose from liability limits of £1 million, £2 million, £3 million, £4 million, or £5 million.
- Business interruption.
- Contents and stock.
- Goods in transit.
- Employers liability.
- Personal injury liability.
- Multiple payment options.
Optional covers*
- Bespoke contents, stock, and business interruption cover.
- Motor fleet insurance.
- Marine cargo.
- Directors and officers liability.
- Cyber insurance.
- Personal accident and travel insurance.
- Crime insurance.
Please note that these optional covers 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 an online retailers insurance free quote now
Buy your cover online in minutes
Online retailer insurance FAQs
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Anyone running an online store—whether selling clothes, accessories, bags, or other products—needs ecommerce 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.
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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 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 ecommerce, 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.
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Please note, there are some items that we are unable to offer quotations via our online platform, however, our advisers may be able to provide quotes from alternative insurers via the telephone, so please call us to discuss your requirements if the digital platform doesn’t offer you a quotation.
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Yes, even small online businesses can benefit from having ecommerce 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.