Products liability
Harm caused by what you sell, including private label and imported goods.
Business Insurance
E-commerce insurance for online retail.
No shop floor, but real stock, real products and a website that is the entire business when it goes down.
Online retailers carry the product and stock exposures of a shop without the premises liability, plus two that traditional retail does not: dependence on a platform or site that can go down, and payment data flowing through the business.
Products, platform dependence and payment data
Products liability applies to what you sell whether or not you made it. Private label and imported goods raise the exposure, because responsibility that would otherwise sit with a domestic manufacturer can land with you.
A site or platform outage stops trading entirely. Cyber business interruption covers your own systems, and dependent interruption can extend to a hosting or platform provider — worth considering when the whole business runs through one channel.
What it covers
The parts of a e-commerce insurance policy
Cyber and payment data
Breach response and liability for customer and card data.
Stock and fulfilment
Inventory at your premises, a warehouse or a fulfilment centre.
Business interruption
Trading lost to an outage, including at a hosting or platform provider.
Working with us
What we do differently
We are an independent agency, so we place your e-commerce insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Check products liability covers imported and private label goods
- Insure stock wherever it sits, including third-party fulfilment centres
- Consider dependent interruption if one platform carries the whole business
Common questions
E-Commerce Insurance, answered
Am I liable for products I did not manufacture?
You can be, particularly with private label or imported goods where the manufacturer is outside the jurisdiction. Products liability responds, and it is the core cover for online retail.
Is my stock covered in a fulfilment centre?
Only if the policy is written to cover stock at third-party locations. It is a common gap for businesses that moved to outsourced fulfilment without updating cover.
What if my platform goes down?
Cyber business interruption covers your own systems; dependent interruption can extend to a hosting or platform provider. Worth having when a single channel carries all trading.
Related cover
Often arranged alongside this
Product Liability Insurance
Everyone in the chain can be named — maker, importer, distributor and the shop that sold it. Being the last link is not a defence.
Read moreCyber Liability Insurance
The cost of a breach is rarely the hacking. It is the notification, the forensics, the downtime and the lawyers afterwards.
Read moreRetail Store Insurance
Stock on the shelves, customers on the floor, and a lease that dictates what you have to carry. Retail insurance is mostly about getting the values right.
Read moreReady for a e-commerce insurance quote?
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