E-commerce & online retail insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$21.58
/month*
Can help cover product liability claims, such as a customer getting injured by a product you sold.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$21.58
/month*
Can help cover product liability claims, such as a customer getting injured by a product you sold.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need E-commerce Insurance?
When you run an online shop, your work may be primarily virtual, but the risks your small business faces are all-too real. Among them are product liability, copyright infringement, data breaches, and ransomware.
What Type of E-Commerce Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$21.58
/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
$38.91
/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
$20.83
/month‡
Cyber
Coverage to insure e-commerce businesses against claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
Why Should I Get Insurance for My Online Business?
As an e-commerce business owner, you’re likely exposed to a lot of risks that may not be immediately obvious.
Plus, with more e-commerce platforms like Amazon requiring proof of e-business insurance, more and more online business owners are prioritizing e-commerce insurance coverage.
Here are some reasons why:
This coverage is a big one for e-commerce business owners, and for good reason: As part of your general liability policy, it can help cover you in the event a customer claims that a product from your online store caused them damage or made them ill or injured in some way.
If a vendor or client visits your office, workshop, or location and accidentally gets hurt while there, your general liability policy could pay for any resulting medical bills and claims.
Having an online business means opening yourself up to a lot of digital risk, which includes claims involving copyright infringement, libel, slander, and more. A professional liability policy could help pay for those types of third-party claims.
Exams, tests, surgeries, and more. Costs can add up if an employee gets hurt or becomes ill working for you. Workers’ comp insurance can help cover medical costs as well as rehab expenses, partial lost wages, and funeral and survivor benefits.
Even if you have no employees, we also recommend workers’ comp to take care of yourself, especially since many health insurance policies won’t cover workplace injuries.
What would happen to your e-commerce business if equipment, inventory, or materials stolen or damaged? What about your laptop or mobile device that you travel with for work? An inland marine policy can help cover the cost to repair or replace them.
What Does E-commerce Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers To More E-commerce Insurance Questions
The state or city (or both) where you operate your e-commerce business may require you to have proof of insurance, especially if you have employees. If you sell on Amazon, eBay, Shopify, Walmart, or other e-commerce platforms, you may be required to carry general liability.
It can still be a good idea. Business insurance can help ensure that you don’t have to use your business or personal finances to pay for any claims. Business insurance for online businesses can cover legal costs (like hiring a lawyer) if you’re sued by a customer for a faulty product or by a competitor for copyright infringement. It also can help you get any licenses or leases that may require proof of insurance coverage.
If you’re thinking of buying business insurance, we want to make it easier for you. Although it’s not necessary when using our e-commerce insurance calculator, we think it’s helpful to have an idea about your annual revenue and payroll estimates as well as information about any previous insurance before you get started.
Small business insurance is what we do. Whether it’s meeting e-commerce platforms requirements, covering product liability, or protecting your equipment and inventory, we can help find the coverage you need for your online store.
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why E-commerce Sellers Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
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Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers 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.
Karen
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.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*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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