Ecommerce Insurance

Insurance for online retailers

Every online retail business is different, that’s why you need flexible ecommerce business insurance to suit your particular needs. We draw on our market relationships and experience in finding the right cover for UK ecommerce businesses.

Key features and benefits

• A comprehensive package policy designed to meet the insurance needs of UK-based online sellers. 
• Cover can include public, product, employers and personal injury liability, property damage and business interruption cover.
• Option of £1 million, £2 million, £3 million, £4 million or £5 million for public and product liability.
• £100,000 court attendance costs.
• Can cover 100% sales to USA and Canada.
• Option to include £25,000 contents (sub-limited to £10,000 for portable equipment) and £25,000 stock (£5,000 automatic cover for items in transit) to your policy and items are covered anywhere in the world.
• Option to include £100,000 business interruption which is on both loss of income and increased costs of working basis.
• Option to include £25,000 personal accident cover.
• Covers businesses with up to £5 million turnover, 75% or more sales online and up to 5 employees. 
• Access to a specialist insurance product via an A-rated insurer. 
• Flexible payment options including direct debit.

What ecommerce insurance do you need?

While it’s true that many ecommerce businesses don’t operate bricks and mortar, customer-facing stores, they still face many of the risks that are common amongst traditional retail outlets.

The loss of any of those essential business assets, whether through incidents like fire and flood, or damage to stock while in transit, can have a huge impact on your customers’ experiences through to your own business operations.

Protecting against those risks is just one reason why ecommerce insurance is so important. There are also risks to employees to consider, highlighting the need to buy employers liability insurance.  Ecommerce businesses also need to consider risks to essential equipment and technology, so investing in business equipment insurance is crucial. This will ensure your stock and business equipment are adequately insured against loss, theft, and accidental damage. 

Product liability provides protection in case a product you’ve sold accidentally injures someone or damages something. Additionally, product liability insurance plays a pivotal role in covering compensation claims related to damage or injury caused by products, which is particularly important for online retailers. 

Public liability insurance cover is essential for third-party property damage and injury, underscoring its importance for online retailers who may face claims against these.

The truth is eccomerce insurance could be crucial to your business’ profitability and survival if something were to go badly wrong. In fact, the right ecommerce insurance policy, tailored to your unique needs, is a simple and effective way to protect your business, your people and your livelihood.

Why choose us for your ecommerce business insurance?

We draw on our market relationships and experience in finding the right cover for UK ecommerce businesses. As your broker, we’ll work with you to understand the needs of your business and the risks you face before approaching our specialist insurance provider to obtain an ecommerce insurance quote. Then once you’re happy, we can get your cover set up straight away.