Public liability insurance covers third-party property damage and injury caused by you or your business. It’s useful if you go out and about to meetings or events, or if people come and see you.
Products liability insurance covers damage to people and property caused by the products you sell, and that you’re liable for.
Stock and property insurance covers your business equipment and the things you sell against loss, theft and accidental damage.
Employers’ liability insurance is a legal requirement if you have staff - paid or not. It covers you if an employee gets injured or ill as a result of working for you, and sues you.
A quick-reference, all-you-need-to-know guide to the insurance you’re getting.Download PDF
The formal bit of the policy, detailing exactly what is and isn’t covered.Download PDF
Unfortunately, selling online doesn’t mean ‘out of sight, out of mind’. Your responsibilities (and problems) as a retailer don’t change just because you’re not on the high street.
You’re still liable for the things you sell. Fire or theft could still wipe out your stock. Winter weather can still break your supply chain.
Online retailers’ insurance helps protect you and your business if there’s a claim against you, covering your defence costs and any compensation you’re liable for. It keeps you up and running when events conspire against you, too.
So you get support and security when you need it most.
Two for the price of one, you might say.
UK-based business, selling physical goods online to customers anywhere in the world. Occasional selling in real life at, say, an exhibition, trade fair or in a pop-up shop is covered too.
Running an online retail business means keeping track of a thousand things at once. This insurance helps by looking after the things you might miss. It does this by splitting the risky bits into manageable chunks.
So, you’re covered for:
Glad you asked.
The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.
We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.
We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.
Anything else? Well, there's the great stuff you get, such as 20% off everything at MOO.
Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.
If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.
Covers third-party property damage and injury, caused by you or your business. It’s useful if you go out and about to meetings or if people come and see you.
Covers damage caused by the products you sell. Damage could be to a person or to property.
This is a legal requirement if you have staff. It covers you if an employee gets injured or ill as a result of working for you, and sues you. ‘Employees’ include temps, summer staff, volunteers and work experience students, as well as full-time permanent people.
Subcontractors and freelancers might also be included – if you provide their working environment and equipment.
Protects your business if you or an employee are killed or injured in an accident. The insurance pays a lump sum to help keep your business going, as well as covering, for example, recruitment costs if you need new people. It also covers associated medical expenses.
Helps keep your business going if an unexpected event makes it difficult to trade. It does this by covering profit you lose during the time you're out of action.
Covers your stock and business equipment against loss, theft and accidental damage. If you work from home, it’s unlikely your home insurance covers business stuff.
Make sure you check.