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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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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

  • I'm very happy to have found you guys for my business. The website is easy to navigate. The support service is excellent. Affordable prices for balloon artists and party entertainment... Read More

    Blanca Mendoza Avatar Blanca Mendoza
    May 26, 2023

    Easy to sign up. Got my insurance emailed to me within minutes. Thank you!

    Jason Lavea Avatar Jason Lavea
    June 12, 2023

    It was a easy sign up experience .

    Laroi Newman Avatar Laroi Newman
    July 26, 2022
  • Fast, easy, affordable.

    Steve Proctor Avatar Steve Proctor
    September 26, 2022

    I had the best experience because I spoke with an agent Stephanie Davis that was truly knowledgeable and very patient with me to walk me through the entire process.... I... Read More

    Cabbage Avatar Cabbage
    August 26, 2022

    It didn’t start out so smooth but Jamal was helpful getting my additional insured added

    Grog Avatar Grog
    June 12, 2023
  • Customer service and experience was great. Appreciate the patience and knowledge. Thank you.

    justelement T Avatar justelement T
    May 26, 2023

    Great site to work with.

    Patti Lee Avatar Patti Lee
    June 5, 2023

    Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!

    Tim Cunningham Avatar Tim Cunningham
    June 26, 2022
  • Easy to use and reasonably priced

    Doug Mickan Avatar Doug Mickan
    June 19, 2023

    Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾

    Fritz Cooper Avatar Fritz Cooper
    May 26, 2023

    Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More

    Todd McCabe Avatar Todd McCabe
    March 3, 2023
  • Great rates and so easy to sign up!

    Liz Atkinson Avatar Liz Atkinson
    January 6, 2023

    Great service

    lamonte hatch Avatar lamonte hatch
    August 26, 2022

    Service rep was very knowledgeable very helpful and got the job done for what I needed Immediately . Can't say enough about Hi service

    Clifford Lo Sasso Avatar Clifford Lo Sasso
    January 6, 2023
  • Very Easy and affordable

    barber fire Avatar barber fire
    March 4, 2023

    Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More

    Carlos Aguirre Avatar Carlos Aguirre
    June 26, 2022

    Very easy and efficient. It was just what I needed

    Deborah West Avatar Deborah West
    February 27, 2023
  • Quick and easy insurance for my mobile DJ business.

    Burton Nuse Avatar Burton Nuse
    October 19, 2022

    Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team

    Kappa Xi Avatar Kappa Xi
    September 26, 2022

    They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.

    Jimmy Fish Avatar Jimmy Fish
    February 13, 2023
  • Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More

    Katie Gustafson Avatar Katie Gustafson
    August 26, 2022

    The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More

    Robert Lesaca Avatar Robert Lesaca
    July 26, 2022

    Quick, easy and just what we needed to work an event that required a bit of insurance. Will most likely seek regular monthly insurance knowing it's this easy and... Read More

    Shannon Smith Avatar Shannon Smith
    May 26, 2023
  • You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!

    Michele Gibson Avatar Michele Gibson
    July 26, 2022

    Instructor at Orange Door Yoga in Grand Junction, Co

    Terry Talbot Avatar Terry Talbot
    February 20, 2023

    It has been great working with Insurance Canopy and especially Faith Ortiz. A+++

    ND3423 Avatar ND3423
    May 26, 2023
  • Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More

    Elena Azama Avatar Elena Azama
    May 26, 2023

    Super easy, easy to understand and a great price.

    Alan Browning Avatar Alan Browning
    September 26, 2022

    It was easy to fill the forms out online and all the information

    Melissa Prado Avatar Melissa Prado
    August 26, 2022
  • Excellent online experience, clean, clear instructions. At the right price too.

    Malcom Massey Avatar Malcom Massey
    September 26, 2022
  • Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More

    joe barton Avatar joe barton
    October 12, 2022
  • Simple and easy on line process and I saved money compared to a large nationally known insurer

    Bill Ladwig Avatar Bill Ladwig
    January 6, 2023
  • Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.

    Ted K Avatar Ted K
    June 26, 2022
  • Easy peezy

    Tom Razin Avatar Tom Razin
    September 26, 2022
  • Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!

    Carlos Navarro Avatar Carlos Navarro
    September 26, 2022
  • The process to apply for insurance was very easy and I appreciated how smooth it went. However, I didn’t like auto renew without my permission. I’m 69 and... Read More

    Regina Nowak Avatar Regina Nowak
    May 26, 2023
  • I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!

    Javier Valderrama Jr (BeastMode_Cyclist_Javy) Avatar Javier Valderrama Jr (BeastMode_Cyclist_Javy)
    August 26, 2022
  • I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More

    Ed B. Avatar Ed B.
    May 29, 2023
  • Fast, easy, affordable.

    Steve Proctor Avatar Steve Proctor
    September 26, 2022

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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