TikTok Shop business insurance can help protect you from:
The cost of product liability claims
A customer claims that a product you sold through your TikTok Shop caused them harm or caused property damage.**
Lawsuits, legal fees and defense costs
You need to legally defend your business after a customer or brand partner files a claim — even if you’re not at fault.
Damaged property or inventory
A covered event such as a fire, theft or burst water pipe ruins your products and inventory or ends in costly repairs to your home office or workspace.
Get TikTok Shop seller insurance that’s fast, flexible and convenient
ERGO NEXT is TikTok Shop Sellers Center’s partner to get small business insurance fast and 100% online. TikTok Shop seller 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 business insurance for TikTok Shop sellers, creators and brands
TikTok Shop seller insurance is often several types of policies to help protect your business from different types of business risks. Your coverage may include:
General Liability insurance
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
For employee work-related injury and illness
workers compensation can help you pay for:
Commercial Property insurance
For help protecting your products, inventory and equipment
commercial property can help you pay for:
Business Owner’s Policy (BOP insurance)
Financial help after customer injuries and property damage
business owners policy can help you pay for:
Cyber Liability insurance
Protection against hacked accounts and stolen data
cyber liability can help you pay for:
ERGO NEXT Insurance 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
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Save up to 25% in discounts on TikTok Shop seller insurance
Pay monthly or annually, and you can cancel at any time.
How much does TikTok Shop seller insurance cost?
Premiums for business owners who sell in the TikTok Shop can be more affordable than you think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The types of products you sell
- Where and how you store inventory
- Your order volume
- Whether you manufacture or import and resell products
- 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 insurance for TikTok Shop sellers help your business?
You might need TikTok Shop insurance to help your business:
- Resolve customer blow-ups before they go viral. Liability coverage can help you handle claims smoothly — without your reputation or budget taking a hit.
- Keep important partnerships. When brand collabs or sponsored posts don’t go as planned, business insurance coverage could help in case of a lawsuit.
- Protect your inventory. Soggy storage, lost shipments, stolen stock and damaged shipping labels are viable threats that could slow your sales. Commercial property insurance could help you restock and restart without missing orders.
- Recover from hacks or scams. In case of a cyberattack, cyber insurance can help you recover your TikTok Shop, secure your data, safeguard your sales metrics and get back online.
- 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.
TikTok Shop seller insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Are TikTok Shop sellers required to carry business insurance?
Business owners selling physical products face liability risk. That’s why TikTok recommends that TikTok Shop sellers get commercial liability insurance. TikTok is partnering with ERGO NEXT to offer TikTok Sellers fast and affordable coverage in minutes.
Business insurance isn’t always legally required, but many TikTok Shop sellers choose to carry it to help protect against risks like customer injuries, product issues, damaged inventory or employee injuries.
What type of business insurance is best for TikTok Shop sellers?
The right mix of coverage depends on what you sell, how you operate and where your business is located, amongst other factors.
Many TikTok Shop sellers opt for general liability insurance which includes product liability coverage. In addition, they often consider:
- Commercial property insurance can help you restock and restart in case of storage rooms flooded from a broken water pipe, stolen stock, fire damage or other threats that could slow down business.
- Cyber liability insurance can help you recover from the fallout of hacks or data breaches and help you get back online if you’re a victim of a cyberattack. Workers’ comp insurance is required in most states if you have employees — and you have the option to help protect yourself as well.
- Commercial auto insurance is typically required if you have business-owned vehicles or personal vehicles that you drive for work.
Can business insurance cover claims caused by products sold online through TikTok Shop?
Certain policies, like product liability insurance, may help cover claims related to the physical products you sell online, including those sold through TikTok Shop. Coverage will depend on the policy terms.
If I run my TikTok Shop from home, do I still need business insurance?
Yes. Homeowners or renters insurance usually doesn’t cover business activities or inventory. Business insurance can help fill those gaps and provide the coverage you need to protect against a broad range of incidents and accidents.
Can I update my business insurance coverage as my TikTok Shop grows?
Yes. As your business changes — more sales, new products, employees or storage locations — you can easily adjust your coverage to better match your needs.
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, the types of events where you sell, 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 can I get a certificate of insurance (COI)?
Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account to file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
