Online Retail Business Insurance

Tailored ecommerce insurance for new and existing retailers.

Choose your primary coverage to get started:

Business Owner's Policy

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General Liability

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Commercial Property

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Workers' Compensation

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Other Coverages

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Ecommerce business insurance can help protect you from:

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Cyber crime

Criminals hack your systems and compromise customer information and financial data.

Products that harm or damage

A customer claims a product you sold them caused damage or made them ill or injured.

Destroyed products or inventory

If your products or inventory get wiped out, the right coverage can help make you whole.

Business insurance for online sellers tailored for you

NEXT specializes in small business insurance. We help protect hundreds of thousands of businesses in 1,300+ professions. And we make it fast, easy and affordable to protect your business with the insurance you need.

With NEXT, you can:

Get a free quote and buy online in about 10 minutes.
Manage your policy and get immediate proof of insurance, 24/7.
Find help when you need it.
Pay as you go and cancel anytime.

Troyia Monay for NEXT Insurance

Protect your small business with online retailer insurance

Answer a few questions online and we’ll help you choose the right business insurance package for your online shop. Your customized coverage may include one or more of these policies.

General Liability insurance

Protection for injuries and damage to other people's property

General liability covers a range of ecommerce business risks. It can help with financial protection if someone other than an employee gets hurt or you damage someone else’s property.

general liability can help you pay for:

Legal fees to defend your business after a claim

Damage to someone else’s property

Medical payments for someone hurt on business premises

Commercial Property insurance

Protect your gear, goods, business inventory and the building you own for business

Commercial property coverage can help protect the items you need to run your online store, including inventory, furniture, fixtures and other business property that you own. It can also help with equipment breakdowns and replace lost income if you suddenly have to close your business for repairs.

commercial property can help you pay for:

Damage from fire and windstorms

Broken and damaged property from theft and vandalism

Business income interruption if you have to close temporarily

Product Liability insurance

Coverage for ecommerce businesses that source, make or sell products

Product liability coverage — included in general liability insurance — can help protect your small business from losses if a customer says that an issue with your product caused them injury or property damage.

product liability can help you pay for:

Property damage if a defect with your product causes harm

Costs if a defect with your product causes injury

Legal fees if you have to defend yourself for faulty products

BOP Insurance (Business Owner’s Policy)

General Liability coverage plus Commercial Property coverage in one affordable package

A BOP can do a lot. General liability can help if a non-employee gets injured because of your business or damages someone else’s property. But only commercial property can help cover damage like vandalism and fire to business property you own, or the loss of your products and inventory from theft. Combine them both into one policy for more coverage at a special price.

business owners policy can help you pay for:

Slip-and-fall injuries (bodily injury)

Damage to other people’s property

Broken and damaged property from theft and vandalism

NEXT customer reviews

Fast Easy and no hassle

Seamless process, just answer a few questions about your business submit and download your policy. Reasonable prices and excellent customer service. I highly recommend

Connie A.

I like that I can modify my cert of Liability

A++, this system works.

Kirk R.

Easy purchase

Buying the insurance was fast and easy. All online with no delays.

Richard C.

Hastle free and quick

Muhammad A.

Smooth and Easy!

Acquiring insurance through Next was as easy as it could possibly be. I would not have put it off if I knew it would be that easy!!

Gregory S.

Outstanding

The help I received was second to none! All questions answered and myself and my business are set up for success

JAMES H.

Quick service

Kasun J.

Great service so far

So far I have no complaints joining was fast price was great

Tonia T.

Worry Free

Transaction was easy and clear!

David E.

Great service

Sam W.

Save up to 25% on ecommerce business insurance*

Pay monthly or annually, and you can cancel anytime.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does online retailer business insurance cost?

The cost of business insurance coverage is based on several factors, such as:

Your type of business
Your number of employees
Where your work
The types of jobs you do
The vehicle you use for business

Get a free, instant quote to see your exact price in about 10 minutes.

Is business insurance for online sellers required?

Ecommerce business insurance can be required. State, city and professional requirements vary.

Small business insurance can help you:

Sell and ship merchandise. Some online platforms (like Amazon) might ask you to have active insurance — usually general liability or workers’ comp.
Hire employees. Most states require workers’ compensation to help protect employees from injury or illness.
Drive for business. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property after a covered event. Commercial property can help protect your inventory, equipment and the building you lease or own.

Online retailer insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

How does business insurance protect e-commerce stores?

NEXT’s online business policies can help protect your business from a variety of risks and financial losses related to:

Damage to someone else’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.^**

Damage to your own property and inventory

Vandals tag your office, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.

Accidents involving your business vehicles

You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.

Workplace illness or injuries

Your employee suffers carpal tunnel injuries and may have to miss work. Workers’ compensation insurance can help cover their medical bills and lost wages.

Accidents that hurt someone other than an employee

A delivery person falls on a wet floor and breaks their arm in your office. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Hobby Shop, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.