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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.

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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.

You're In Good Company With Insurance Canopy

Here's what other people have to say about their experience.

Lilly-Mae Gallagher
Lilly-Mae Gallagher
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"Reliable & Affordable"

Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
Aalia Nicholson
Aalia Nicholson
Business Owner
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"So easy and quick to get the coverage I needed."

I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
Micah Strickland
Micah Strickland
Orlando FL
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"The online application was very easy to use definitely will use again"

My first time using this Company I like the ease of navigating through the site.
Sheri Lowe
Sheri Lowe
Business Owner
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"Great insurance company"

Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
Alex Churchill
Alex Churchill
South Florida
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"Fast, easy, and always there when I need it! "

Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
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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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