Business Insurance for Online & eCommerce Businesses
Selling online eliminates geography but not liability. Product liability, cyber breach, and payment disputes follow your business wherever it sells.
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Coverage Types for Online & eCommerce Businesses
These are the key insurance policies most relevant to your business type — ranked by importance.
General Liability
RequiredCovers third-party bodily injury and property damage. Even without a physical storefront, product liability and advertising injury claims (e.g., IP infringement in ads) are significant online risks.
Product Liability
RequiredIf you sell physical products online — including through Amazon, Shopify, or Etsy — and a product causes injury or property damage, you face liability. Many platforms now require sellers to carry product liability insurance.
Cyber Liability
Highly RecommendedOnline businesses collect payment data, email addresses, and order history. A breach or ransomware attack triggers notification costs, legal fees, and revenue loss. Cyber coverage is essential for any business transacting online.
Professional Liability (E&O)
RecommendedDigital services — web design, consulting, marketing, SaaS — carry E&O exposure when a client claims your work caused financial harm. Required for service-based online businesses.
Business Interruption
RecommendedCovers lost revenue if your systems go down, a key supplier fails, or a cyber event halts operations. Online businesses are uniquely vulnerable to digital disruptions.
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What You Need to Know
- →Amazon, Walmart Marketplace, and many payment processors now require sellers to carry product liability insurance with minimum $1M limits.
- →Selling online does not eliminate geographic jurisdiction — you can be sued in the customer's state under that state's consumer protection laws.
- →Cyber liability is not included in standard GL policies — it must be added separately or purchased as a standalone policy.
- →Dropshippers are still liable for the products they sell, even if they never touch the inventory.
- →eCommerce businesses using influencer marketing or running paid ads face advertising injury exposure (IP claims, defamation).
What Does It Cost?
eCommerce businesses selling physical products typically pay $50–$110/month (GL + product liability). Service-based online businesses run $35–$80/month. Add cyber coverage for $20–$50/month more.
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By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.