If you have employees or helpers, make sure they follow safe packing, lifting, and shipping practices — fewer accidents can help lower your premium.

Use strong passwords, update software regularly, and back up customer data to help reduce the risk of cyber incidents.

Some carriers offer monthly payments, which you can take advantage of to spread the cost over the year.

What is e-commerce insurance?

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.

Why do I need insurance?

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.

What does it cover?

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.

Is it required by law?

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.

Is it tax-deductible?

Yes — insurance premiums are usually considered a business expense. But always check with your accountant for certain.

How fast can I get a quote?

You can get a full quote in about 10 minutes — and an estimate even faster, with just 3 quick questions.

E-commerce Insurance Cost & Coverage Guide for 2026

Q: Protect your equipment

Keep your inventory, laptops, and packaging tools stored securely and in good condition to help prevent damage or costly claims.

Q: Learn from past claims

Put steps in place to prevent future mishaps.

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Insuring over 1 million small businesses worldwide.

Buy instantly online. No junk mail. No spam calls.

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.

How Much Does E-commerce Insurance Typically 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

Under $25

17% of customers

$25 to $95

78% of customers

Over $95

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.

E-commerce Insurance Coverage Options

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 coverage to help handle costs from third-party accidents, property damage, and bodily injury.

Equipment and Business Property Insurance

Also known as inland marine insurance, this coverage can financially protect equipment and inventory that is in transport or stored offsite.

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.

Cyber Insurance

Cyber insurance — also known as cyber liability insurance — covers the costs of 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

Under $25

13.5% of customers

$25 to $95

81.5% of customers

Over $95

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 Costs³

Under $25

45% of customers

$25 to $95

54% of customers

Over $95

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.

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.

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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:

Type of work you do

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.

Business size

E-commerce business owners who work for themselves typically pay less than businesses with large teams working at multiple sites.

Location

Rates may vary by state and city as a result of local laws and risk levels.

Number of employees

More employees can mean more exposure to accidents and higher workers’ comp premiums.

Coverage type & limits

The more insurance coverage you need, the more you’ll likely pay.

Your claims history

If you’ve had past claims, that could increase your rate.

Your experience

Have you been in business for years with no claims? That could work in your favor.

Some Ways to Save on E-commerce Insurance

Work safely

Protect your equipment

Stay cyber smart

Learn from past claims

Pay monthly

Shop around

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.

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Business Insurance Made Better

A one-minute explanation.

Learn how we’re making finding business insurance fast, easy, and affordable — all in just 60 seconds.

Video transcript

Hi there we’re Simply Business and small business insurance is what we do. We work
with top insurers who specialize in small business coverage. No one size fits-all solutions here. We’ve worked with thousands of business owners like you so we have a good idea of what different businesses need. We get it, you do one web search and the results can be overwhelming, and not in a good way. We can save you from that. We’re ready when you are, it takes just a few minutes online. Enter some information about your business and some pretty cool technology shops for great coverage at competitive prices in just seconds. You choose and purchase the coverage that works for you. Not to worry we’ve got licensed insurance pros to help you over the phone then we zip your certificate of insurance and other policy documents straight to your inbox. That’s how easy it is to insure your business with Simply Business.

More E-commerce Insurance FAQs

What is e-commerce insurance?

Why do I need insurance?

What does it cover?

Is it required by law?

Is it tax-deductible?

How fast can I get a quote?

Why Small Businesses 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.

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your business in one form.

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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.

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Owner of Bunker83 LLC

It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.

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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.