E-commerce merchant

Running your own business comes with plenty of achievements, but every business also has its own risks.

Everything you need

Why do e-commerce merchants need insurance?

E-commerce businesses are often left in the dark when it comes to protecting what they have built. No matter what type of e-commerce business you operate, each one comes with a particular set of common risks. Obtaining the right insurance is crucial to protect your business from:

Loss Prevention

Lost, stolen, or damaged property and inventory

Lawsuit

Reputational damage and customer lawsuit

Accidents

Employees accidents and injuries

Disruption

Business interruption and lost income

Defects

Defective or malfunctioning products

Online Presence

Cyber security

What does e-commerce merchant insurance cover

Choosing the right e-commerce business insurance can help protect you from costly risks and liabilities, but the right policies for your business will depend on the services you offer.

Here are some of the most popular insurance policies for e-commerce businesses, covering the most common risks you'll face as an e-commerce business owner:

Bodily Injury

Someone other than you (or an employee) is injured and your business is responsible for medical, legal and damages.

Third-Party Property Damage

Customer property is damaged by you (or an employee).

Advertising and Reputational Injury

Your business is accused of copyright infringement, malicious prosecution, slander, libel, wrongful eviction and violating a person's privacy.

Product Liability

Products developed or sold by your business harm people or property, and your business is responsible for legal and medical expenses.

What types of e-commerce merchant do we cover?

  • Business-to-Business Sellers

    Direct-to-Consumer Sellers

    Drop-shippers

    Arbitrage Sellers

    Domestic Sellers

    International Sellers

    Wholesalers

    Subscription Sellers

  • Third-Party Marketplaces

How much does e-commerce merchant insurance cost?

Coverdash helps you identify the appropriate coverage to suit your e-commerce business needs without breaking the bank. The exact amount you pay will depend on:

  • The type of e-commerce business you operate
  • Your revenue and employee payroll
  • Your number of employees
  • Your business location
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Summary

This page discusses the importance of insurance for e-commerce merchants, outlining common risks such as property loss, lawsuits, accidents, business interruption, product defects, and cybersecurity threats. It details key insurance coverages like General Liability and Product Liability, and lists the various types of e-commerce businesses that can be insured. The cost of insurance is presented as variable, depending on factors like business type, revenue, and location.

Key Facts

Frequently Asked Questions

Why do e-commerce merchants need insurance?

E-commerce businesses are often left in the dark when it comes to protecting what they have built. No matter what type of e-commerce business you operate, each one comes with a particular set of common risks. Obtaining the right insurance is crucial to protect your business from: Loss Prevention, Lawsuit, Accidents, Disruption, Defects, and Online Presence (Cyber security).

What does e-commerce merchant insurance cover?

Choosing the right e-commerce business insurance can help protect you from costly risks and liabilities. Popular insurance policies for e-commerce businesses include General Liability (covering Bodily Injury, Third-Party Property Damage, and Advertising and Reputational Injury) and Product Liability.

What types of e-commerce merchants do you cover?

Coverdash covers Business-to-Business Sellers, Direct-to-Consumer Sellers, Drop-shippers, Arbitrage Sellers, Domestic Sellers, International Sellers, Wholesalers, Subscription Sellers, and Third-Party Marketplaces.

How much does e-commerce merchant insurance cost?

The exact amount you pay for e-commerce merchant insurance will depend on the type of e-commerce business you operate, your revenue and employee payroll, your number of employees, and your business location.

Related Entities

Companies
Coverdash
Products
General Liability, Product Liability
Technologies
Cyber security