E-commerce Insurance Cost & Coverage Guide for 2026
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E-commerce Insurance Cost
Running an online retail business takes hustle — from managing orders to shipping products and keeping customer data safe. But even the smoothest transactions can hide risks. Whether it’s lost inventory, unhappy customers, or cyberattacks, e-commerce insurance coverage can help protect what you’ve worked hard to build.
Let’s break down what different insurance policies for e-commerce typically cost, what affects prices, and how Simply Business makes getting coverage easier and more affordable.
What is E-commerce Insurance?
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How Much Does E-commerce Insurance Cost?
Depending on your coverages, e-commerce business owners pay a median price of $27 per month, or $325 per year.
Here’s a snapshot of what our customers typically pay for e-commerce insurance:
Monthly E-commerce Insurance Cost1
| Cost | Percentage of customers |
|---|---|
| Under $25 per month | 17% of customers |
| $25 to $95 per month | 78% of customers |
| Over $95 per month | 5% of customers |
1Data from Simply Business customers specializing as an “e-commerce business owner” who purchased at least one or a combination of general liability, inland marine, workers’ compensation, and cyber insurance policies from July 1, 2024 to December 31, 2024. Reflected price tiers may not include purchase of all available policies on this page.
What you pay depends on a few key things, including, but not limited to: the type of work you do, the size of your team, and the type of coverage or policy you choose. But most e-commerce business owners pay under $95 per month for e-commerce insurance coverage.
These numbers are based on real policies purchased through our site. But getting a great premium isn’t just about the numbers — it’s about working with a partner that understands your business. And because we work with a range of trusted insurers, you’ll see coverage options to match your business, so you can choose a customized package that works for you and your budget.
What Affects the Cost of E-commerce Insurance?
If you’ve searched online for e-commerce insurance coverage, you’ve likely seen a wide range of prices — and for no clear reason why. The truth is there isn’t a set price because the cost depends on several key factors, including:
E-commerce insurance for a home-based business may cost less to insure than managing a high-volume operation with warehousing, shipping, and multiple employees.
E-commerce business owners who work for themselves typically pay less than businesses with large teams working at multiple sites.
Rates may vary by state and city as a result of local laws and risk levels.
More employees can mean more exposure to accidents and higher workers’ comp premiums.
The more insurance coverage you need, the more you’ll likely pay.
If you’ve had past claims, that could increase your rate.
Have you been in business for years with no claims? That could work in your favor.
What Insurance Does a E-commerce Typically Need?
E-commerce insurance is not a single product, but refers to one or a combination of insurance policies that e-commerce business owners typically need.
Whether you’re a solo home-based operator just starting out or a high-volume operation with a growing team, we can help you find personalized coverage to fit your needs and budget. Here are some of the common e-commerce insurance coverage options business owners typically consider:
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$21.58
/ month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$38.91
/ month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$20.83
/ month*
Cyber
Coverage to insure e-commerce businesses against claims associated with stolen customer data, cyberattacks, breaches, and fraud.
How Much Does General Liability Insurance Typically Cost?
Based on policies we’ve sold, e-commerce business owners pay a median cost of $27 per month, or about $325 per year, for general liability insurance. It’s a foundational coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Here’s a snapshot of what our e-commerce business owners typically pay for general liability insurance:
Monthly General Liability Insurance Costs2
| Cost | Percentage of customers |
|---|---|
| Under $25 per month | 13.5% of customers |
| $25 to $95 per month | 81.5% of customers |
| Over $95 per month | 5% of customers |
2Data from Simply Business customers specializing as “e-commerce business owners” who purchased a GL insurance policy from July 1, 2024 to December 31, 2024.
What you pay usually depends on a few key things, including, but not limited to: the type of work you do, the size of your business, and the amount of coverage you choose. But most e-commerce business owners pay under $95 per month for general liability insurance.
To learn more about general liability insurance, check out our helpful general liability cost guide.
How Much Does Equipment and Business Property Insurance Typically Cost?
E-commerce business owners pay a median cost of $28 per month, or about $339 per year, for equipment and business property insurance — also known as inland marine insurance. This coverage can protect your tools, equipment, and inventory while in transport or stored offsite.
Here’s a snapshot of what our e-commerce business owners typically pay for equipment and business property insurance:
Monthly Equipment and Business Property Insurance Costs2
| Cost | Percentage of customers |
|---|---|
| Under $25 per month | 45% of customers |
| $25 to $95 per month | 54% of customers |
| Over $95 per month | 1% of customers |
3Data from Simply Business customers specializing as “e-commerce business owners” who purchased an equipment and business property insurance policy from July 1, 2024 to December 31, 2024.
The cost of equipment and business property insurance — also known as inland marine — usually depends on the value of your tools and equipment, and the type of work you do. But most e-commerce business owners pay under $95 per month.
To learn more about equipment and business property insurance, check out our helpful equipment and business property insurance cost guide.
Some Ways to Save on E-commerce Insurance
If you have employees or helpers, make sure they follow safe packing, lifting, and shipping practices — fewer accidents can help lower your premium.
Keep your inventory, laptops, and packaging tools stored securely and in good condition to help prevent damage or costly claims.
Use strong passwords, update software regularly, and back up customer data to help reduce the risk of cyber incidents.
Put steps in place to prevent future mishaps.
Some carriers offer monthly payments, which you can take advantage of to spread the cost over the year.
Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the leg work so you can sit back, compare quotes, and save.
Frequently Asked Questions
E-commerce insurance is not a single product but typically a collection of one or more insurance policies designed to help protect your online business from risks, such as customer lawsuits, data breaches, employee injuries, or damage to inventory in transit.
Because even a single accident or lawsuit could cost your business thousand dollars out of pocket. E-commerce insurance helps protect you from a financial hit like that — so that one mistake doesn’t turn into a major setback.
The right combination of policies can help cover third-party claims, cyber incidents, workplace injuries, and lost or damaged goods while being shipped or stored.
It depends on your state and whether you have employees. Legal requirements vary by state, so it’s worth checking to see what your particular state or city where you operate requires. But whether it’s required or not, we strongly recommend having coverage. In fact, many clients and landlords may require it before they do business with you.
Yes — insurance premiums are usually considered a business expense. But always check with your accountant for certain.
You can get a full quote in about 10 minutes — and an estimate even faster, with just 3 quick questions.
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Why Small Businesses Choose Simply Business
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Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the leg work so you can sit back, compare quotes, and save.
Our +1 million customers worldwide are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Room to Breathe Professional Organizing
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
How Much Does Workers’ Compensation Insurance Generally Cost?
E-commerce business owners pay a median of $43 per month or $516 per year for workers’ comp. Most states require workers’ comp for small businesses with full- or part-time employees – it can help take care of your team if they get sick or injured on the job.
Here’s a snapshot of what our e-commerce business owners typically pay for workers’ compensation insurance:
Monthly Workers’ Comp Insurance Costs4
Under $25
4% of customers
$25 to $95
89% of customers
Over $95
7% of customers
4Data from Simply Business customers specializing as “e-commerce business owners” who purchased a workers’ compensation insurance policy from July 1, 2024 to December 31, 2024.
Your workers’ comp premium is calculated based on the type of work your team performs, your claims history, and your payroll, among other factors. But most e-commerce business owners pay under $95 per month.
To learn more about workers’ compensation insurance, check out our helpful workers’ comp cost guide.
How Much Does Cyber Insurance Usually Cost?
E-commerce business owners pay a median cost of $21 per month, or about $250 per year, for cyber insurance. Also known as cyber liability insurance, this policy can cover the costs of claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Here’s a snapshot of what our e-commerce business owners typically pay for cyber insurance:
Monthly Workers’ Comp Insurance Costs5
Under $25
100% of customers
$25 to $95
0% of customers
Over $95
0% of customers
5Data from Simply Business customers specializing as “e-commerce business owners” who purchased a cyber insurance policy from July 1, 2024 to December 31, 2024.
Most e-commerce business owners pay under $25 per month.
Some Ways to Save on E-commerce Insurance
If you have employees or helpers, make sure they follow safe packing, lifting, and shipping practices — fewer accidents can help lower your premium.
Keep your inventory, laptops, and packaging tools stored securely and in good condition to help prevent damage or costly claims.
Use strong passwords, update software regularly, and back up customer data to help reduce the risk of cyber incidents.
Put steps in place to prevent future mishaps.
Some carriers offer monthly payments, which you can take advantage of to spread the cost over the year.
Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the leg work so you can sit back, compare quotes, and save.
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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