E-commerce Insurance

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.

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.

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.

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.

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.