E-Commerce Insurance

E-Commerce Insurance

E-Commerce Insurance

Learn what kind of coverage you need as a E-Commerce. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a E-Commerce. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a E-Commerce. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

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We partner with 100+ insurance companies you can count on.

Why Does a E-Commerce Need Insurance?

Online sales move fast, but problems do too. A chargeback dispute, a product injury claim, a warehouse loss, or a cyber incident can turn into legal fees and refunds overnight. Insurance helps keep one bad week from becoming a business-ending event.

What Does E-Commerce Insurance Cover?

It can cover customer injury and product claims, damaged or stolen inventory, shipping losses, cyber and payment data incidents, and lawsuits tied to ads, reviews, or website content, depending on your policies.

A customer says your product caused an injury

A buyer alleges a skin reaction or a device malfunction and demands medical costs. Product and general liability can help with defense and covered settlements, even if you believe the claim is unfounded.
A buyer alleges a skin reaction or a device malfunction and demands medical costs. Product and general liability can help with defense and covered settlements, even if you believe the claim is unfounded.

Inventory is damaged before it ever ships

A sprinkler leak, theft, or power outage ruins stock stored at your warehouse, garage, or a fulfillment partner. Property coverage can help replace inventory and may help with lost income during downtime.
A sprinkler leak, theft, or power outage ruins stock stored at your warehouse, garage, or a fulfillment partner. Property coverage can help replace inventory and may help with lost income during downtime.

A cyber event freezes orders and triggers notifications

Your store is hit with a credential-stuffing attack, admin access is compromised, and customers report fraud. Cyber coverage can help with breach response, forensics, customer notification, and certain legal costs.
Your store is hit with a credential-stuffing attack, admin access is compromised, and customers report fraud. Cyber coverage can help with breach response, forensics, customer notification, and certain legal costs.

E-Commerce Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance do I need to sell on Amazon, Shopify, or other marketplaces?

Requirements vary, but many platforms ask for general liability and product liability with specific limits and to be listed as an additional insured. If you store inventory, you may also need property coverage. If you process customer data or rely heavily on your site, cyber coverage is worth considering. We can review the platform language and align your policies to it.

Is product liability different from general liability for an online seller?

If I use a 3PL or Amazon FBA, do I still need inventory coverage?

Does e-commerce insurance cover chargebacks and refunds?

What if I sell private label products made by a manufacturer overseas?

How are e-commerce insurance premiums priced?

What insurance do I need to sell on Amazon, Shopify, or other marketplaces?

Requirements vary, but many platforms ask for general liability and product liability with specific limits and to be listed as an additional insured. If you store inventory, you may also need property coverage. If you process customer data or rely heavily on your site, cyber coverage is worth considering. We can review the platform language and align your policies to it.

Is product liability different from general liability for an online seller?

If I use a 3PL or Amazon FBA, do I still need inventory coverage?

Does e-commerce insurance cover chargebacks and refunds?

What if I sell private label products made by a manufacturer overseas?

How are e-commerce insurance premiums priced?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.