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E-Commerce Business Insurance

Protect Your Business WIth E-Commerce Insurance Today

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Product Liability Insurance For Online Sellers

For more than a decade, Insurance Canopy has insured thousands of businesses and products. We’ve customized our policies to meet the needs of online sellers, helping you access some of the best e-commerce business insurance you can find. From Etsy and Ebay, to Amazon and Jane, get protected on most online marketplaces with Insurance Canopy today.

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Occurrence Based Policies

We help you pay for covered accident claims—regardless of when they were reported.
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Apply Online

With our streamlined application, you can apply for a quote online in minutes.
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Unlimited Additional Insureds

Our agents can quickly add an unlimited number of additional insureds to your policy.

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What Is E-Commerce Business Insurance?

If a product you sell, import, or manufacture causes bodily injuries or property damage, e-commerce liability insurance can help you cover the costs of the claim. Even with product testing, accidents can still happen from product defects, mislabeling, or failure to provide warnings.

Some online retailers are required or recommended to carry insurance policies. Insurance Canopy’s plans often meet or exceed requirements through our high limits, occurrence based policies, and optional additional coverages.

Our Partners
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Do I Need Insurance For Online Sales?

Online retail business insurance protects those who wholesale, resell, or private label products on e-commerce websites such as Ebay, Etsy, and Jane. Without the right insurance, you could find yourself paying for costly claims on your own—most online marketplaces exclude themselves from being held responsible for liability claims caused by your shop or product.

Insurance Canopy helps to close the gap in coverage left by online marketplaces so you can confidently continue your online business with the protection you deserve.

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E-Commerce Product Liability

Licensed In All 50 States

How Much Does E-Commerce Insurance Cost?

Each e-commerce product insurance policy is tailored specifically to your product and business—meaning no two policies are the same, so you only pay for the coverages you need. Currently, over 50% of Insurance Canopy customers pay $1,400 or less for their annual premium.

We calculate your coverage costs based on:

Gross annual sales

The volume you sell and may impact your coverage needs and premium cost.

Some products are riskier to insure than others. Product type can vary the cost of insurance.
Past claims may impact your estimated risk and could impact your limits or premium.
Where you work and who you employ impacts coverage needs.
Some online retailers require certain insurance limits on your policy.

Add-ons such as cyber liability  or tools and equipment coverage may affect your premium.

Why Choose Insurance Canopy?

We Have A (Nearly) 5 Star Rating

  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024

    This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.

    Herman Hildo Avatar Herman Hildo
    March 25, 2024
  • I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff

    Darron Hines Avatar Darron Hines
    March 25, 2024

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

    Greg Hoover Avatar Greg Hoover
    March 25, 2024
  • Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.

    Kate Whelan Avatar Kate Whelan
    March 25, 2024

    Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024
  • Insurance Canopy gives me peace of mind for my practice.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024

    Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

    susan fletcher Avatar susan fletcher
    March 11, 2024
  • Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024

    If you are in the entertainment business this is the best and most easiest insurance to use.

    Dance Smith Productions Avatar Dance Smith Productions
    March 1, 2024

    Very easy set up for a policy and friendly conversation with on line and customer support

    Vito n/a Avatar Vito n/a
    March 1, 2024
  • Site easy to navigate, good price, good customer service.

    Yosie Coronel Avatar Yosie Coronel
    March 1, 2024

    Process went very well. Best price and able to add a secondary insured.

    Jacque Avatar Jacque
    March 1, 2024

    Renewal of policy was smooth and didn't have to do a thing! Excellent customer support! Will refer family and friends. Thank you Insurance Canopy!

    Ram Seetharam Avatar Ram Seetharam
    March 1, 2024
  • Insurance Canopy has some issues when navigating the website. However, they have reasonable rates and seemingly good coverage. I’ve never had to file a claim. So I will make a... Read More

    Gabriel Sherry Avatar Gabriel Sherry
    March 1, 2024

    We have worked extensively with Faith Ortiz and each time it has been a pleasure! Faith is efficient, incredibly knowledgeable, and a joy to work with. Even in situations with... Read More

    Andrew Bawdon Avatar Andrew Bawdon
    February 1, 2024

    Faith has been working with us for a while now and consistently goes out of her way to help us find a solution. We greatly appreciate all her and her... Read More

    Jaimee Gomez Avatar Jaimee Gomez
    February 1, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

Coverage Details

General Liability Limits

The most your policy will pay for bodily injury and property damage claims, occurring during your coverage, as a result of your business operations.
$2,000,000*
The maximum amount your policy will pay during the policy term for claims of bodily injury and property damage as a result of your products or business operations conducted away from business’s premises—even after operations are completed.

$2,000,000*

The amount that your policy will pay for claims arising out of one or more of the following offenses:
False arrest, detention, or imprisonment
Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement

$1,000,000

The maximum amount paid per claim during the term of the policy.

$1,000,000*

Applies to damage by fire to premises rented to you, and other covered causes of loss to the premises (including contents), while occupied by you for 7 days or less.

$300,000

A no-fault medical policy to cover medical or funeral expenses for an individual up to the issued limit—without deducting from the general liability aggregate limit. Bodily injuries or death must be the result of your business or professional services.

$5,000

This is the amount we deduct from a claim before paying up to your policy limits.
*Other limits available on underwriting approval.

$2,500

Still doing your research?

Have questions?

Our licensed agents have answers (se habla espanol).

Questions About E-Commerce & Online Selling Insurance

Five Things To Know Before You Buy Product Liability Insurance For Online Sellers

E-Commerce Product Liability Insurance

Grow your online business – Get into the online markets you need to sell products and grow your business with product liability insurance.

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