General Liability
Covers product liability claims, advertising injury, and bodily injury from products you sell online.
E-Commerce Business Insurance for Online Retailers
Online retailers face product liability claims, data breach risks, and inventory losses. We compare multiple carriers to find the right coverage for your e-commerce business.
Coverage
What does E-Commerce insurance cover?
The right insurance program for your E-Commerce business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Cyber Liability
Critical for e-commerce — covers customer payment data breaches, shopping cart hacks, and online fraud incidents.
Commercial Property
Protects your warehouse inventory, fulfillment equipment, and business property against damage and theft.
Professional Liability
Covers claims from digital marketing errors, incorrect product information, or consultation service failures.
Business Owners' Policy
Bundles general liability and property coverage — an affordable foundation for most e-commerce businesses.
Who needs it
Who needs E-Commerce insurance?
If you operate a E-Commerce business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Direct-to-consumer online retailers — Liable for products that cause injury and customer payment data stored in their online platforms.
- Amazon FBA and marketplace sellers — Required by Amazon to carry general liability once sales thresholds are met, with no platform-provided coverage.
- Dropshipping businesses — Legally liable for products they sell even without manufacturing or holding inventory themselves.
- Subscription box and direct mail companies — Ship curated product assortments monthly, carrying product liability for every item included in each box.
Why Ashmont Insurance Agency
The smarter way to insure your E-Commerce business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your E-Commerce business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your E-Commerce coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about E-Commerce insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
E-commerce insurance typically costs $500–$2,500 per year for a Business Owners' Policy plus cyber liability. Product liability costs depend on what you sell and revenue. Ashmont Insurance Agency compares multiple carriers to find affordable coverage for your online business.
Yes. If you sell physical products, product liability (included in general liability) covers you if a product causes bodily injury or property damage. If you manufacture, import, or private-label products, higher limits are recommended.
E-commerce businesses handling customer payment data need cyber liability covering PCI DSS compliance fines, data breach notification, credit monitoring for affected customers, and business interruption from system outages. This is essential for any online store.
Amazon and Shopify require sellers to carry their own general liability insurance once reaching certain sales thresholds. The platforms do not provide insurance coverage for sellers — you need your own policy. Ashmont Insurance Agency can help you meet marketplace insurance requirements.
Yes. Ashmont Insurance Agency lets you compare e-commerce business insurance from multiple carriers online in minutes. We evaluate your product types, revenue, platforms, and data handling to find your most competitive options immediately.
Ready to protect your E-Commerce business?
Compare E-Commerce insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.