E-COMMERCE INSURANCE

Our e-commerce insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The battery of a remote-control car you sell on Amazon explodes in someone’s living room and burns the carpet and sofa, which now need to be replaced. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A desk you sold has a loose screw and a piece falls off and crushes a customer’s foot. Your general e-commerce liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You trip over boxes ready to be shipped and injure your shoulder. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You drive through a pothole on the way to the post office and destroy your wheel well. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A fire destroys all the inventory you had stored in your garage. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

Yes, Amazon requires some third-party sellers to provide proof that you have general liability insurance with at least $1 million in coverage. You may also be asked to provide a certificate of insurance with Amazon listed as an additional insured. Our general liability coverage meets Amazon’s insurance requirements. We make it easy to get a quote, purchase coverage and access your certificate with our simple online process. Just be sure to select the “Pro” package when you’re on the quote page so you receive the $1 million per occurrence and $1 million aggregate (per year) limits, as well as the injuries and damages coverage, that Amazon requires. This helps protect your business and Amazon from financial losses if you are accused of causing an injury or property damage related to whatever you are selling. Amazon asks that you put “Amazon.com, Inc., and its affiliates and assignees” as additional insureds on your policy. If you purchase through Amazon, you will automatically have a certificate of insurance created at time of purchase.

Amazon might send you a request for a certificate of insurance. If that happens, you must send it to Amazon at: c/o Amazon, P.O. Box 81226, Seattle, WA 98108-1226, Attention: Risk Management. If you have coverage with NEXT, you can download your certificate as many times as you want, 24/7, at no extra charge. For additional details on Amazon’s insurance and other seller requirements, we recommend checking out Amazon’s Program Policies and the Amazon Services Business Solutions Agreement before you get started. This will help you understand expectations of you as a seller. If you have problems uploading your Certificate of Insurance to your Amazon Seller Profile you can contact Amazon directly through the “Contact Us” section of your Amazon Seller Central Profile.

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.