E-commerce Business Insurance

Save up to 25% on online retailer insurance.*

Choose your primary coverage to get started:

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E-commerce business insurance could help protect you from

Destroyed product or inventory costs

If a fire wipes out your shelves and storage, the right coverage can help you recover costs.^**

Theft and vandalism losses

Your business has broken windows or stolen laptops and equipment. You need to replace and repair — fast.

Legal costs if your products cause harm

A customer claims you’re liable for a product you sold them that caused damage or made them ill or injured.

Liability for data leaks and cybercrime

Criminals hack your systems and compromise customer information and financial data – and you’re responsible.

The costs of injuries and medical bills

Someone gets injured on premises and asks you to pay for medical expenses.

Legal fees and defense costs

You need an attorney to defend your business in a lawsuit after a claim.

Get e-commerce insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Online retailer insurance can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in online retail business insurance

Insurance for e-commerce is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for e-commerce

Protection for injuries to non-employees and damage to other people's property

General liability coverage can help with financial protection if someone other than an employee (such as a customer, a vendor or a delivery person) gets hurt on your work premises, or if you or your employees accidentally 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 for online retailers

Protect your gear, goods, products, inventory and the building where you do business

Commercial property coverage could help protect the items you need to run your online store, including inventory, products, business furniture, office fixtures and other business property that you own. It could also help with equipment breakdowns and to replace lost income if you suddenly have to close your business after a covered event 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 e-commerce businesses that source, make or sell products

Product liability coverage — included in general liability insurance at ERGO NEXT — could help protect your small business from losses if a customer claims that 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 plus Commercial Property coverage in one 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 could help cover damages to your business property from events like theft, vandalism or fire, or protect 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

Cyber Liability insurance

Protection from data breaches, ransomware and other cybercrime

Cyber insurance could help if your hardware or your data becomes compromised. Customer contacts, bank account and credit card numbers and other sensitive data could be hacked by bad actors.

cyber liability can help you pay for:

Protection for physical hardware in the event of a virus or malware

Financial help after phishing scams or data breaches and ransomware attacks

Recovery or replacement funds lost due to wire fraud

ERGO 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% in discounts for online retail business insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does e-commerce insurance cost?

Premiums for business insurance for online retailers are more affordable than you might think. The exact price you’ll pay depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can e-commerce business insurance help your business?

You might need insurance for online retailers to help your business:

Sell and ship merchandise. Some online platforms (like Amazon) might require active business insurance — usually general liability or workers’ comp.
Repair or replace your damaged property and products. Commercial property could help protect your inventory, equipment and the building you lease or own.
Deal with product liability issues. If a product you make or sell damages a customer’s property or causes them physical harm, you could be held liable for the costs.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

E-commerce business insurance FAQ

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

Is business insurance for online sellers required?

E-commerce business insurance can be required. State, city and professional requirements vary.

If you work with a third-party retail platform, such as Amazon or Etsy, they may require you to carry business insurance.

Business insurance, most commonly general liability coverage or a commercial property policy, may also be a requirement to grow your business if you want to rent a commercial warehouse or office or try to get a business loan.

And, if you hire employees, workers’ comp insurance is a requirement in most states.

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

Once you have a ERGO 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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with ERGO 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.

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More professions that are covered by ERGO 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, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, TikTok Shop Seller, Toy Store