E-commerce Insurance

Who we cover

If you're selling something online, your own brand, drop-shipped, white-labeled, or marketplace, there's an exposure profile that off-the-shelf small-business insurance often misses.

• Direct-to-consumer brands (Shopify, BigCommerce, Squarespace)
• Amazon FBA and Walmart Marketplace sellers
• Etsy and handmade-goods businesses
• Subscription box and recurring-revenue stores
• Dropshippers and white-label resellers
• Wholesale and B2B online distributors

What's typically included

E-commerce policies usually combine general liability, product liability, and cyber, the three legs that take the most weight when things go wrong online.

• Product liability (claims tied to what you sell)
• General liability (premises, advertising injury)
• Cyber liability (data breaches, ransomware, payment fraud)
• Stock and inventory coverage, at home, in 3PL, or in transit
• Business interruption tied to platform downtime
• Professional liability if you also offer consulting/services
• Errors & omissions on product descriptions and claims

This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.

What moves the premium

Underwriters care about what you sell, where you ship it, and how much customer data you store. Annual revenue, average order value, and product category matter more than the platform you use.

• Annual revenue and projected growth
• Product category (cosmetics, electronics, food = higher; apparel = lower)
• Countries you ship to (US shipments raise the bar)
• Volume of customer payment data stored
• Marketplace vs. owned channel mix
• Past claims and chargeback history