Essential, off-the-shelf protection for selling online. One policy can cover stock theft and damage, things going wrong with what you sell, and the health and safety of the people you work with.
Our policy can also cover selling on platforms like Amazon USA.
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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.
‘Out of sight, out of mind’ doesn’t really cut it for online retailers. Your responsibilities (and problems) don’t disappear just because you’re not on the high street.
Your shopfront might be virtual but you’re still liable for the things you sell. And if a fire or a break-in wipes out your stock, or your store is out of action, the selling stops.
Online retailers’ insurance protects your business by covering your defence costs and any compensation due if there’s a claim against you. It also pays to keep you up and running should certain events conspire against you.
That way you get support and security when you need it most. Two for the price of one, you might say.
Online retailer insurance protects UK-based businesses 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.
That makes e-commerce insurance a good buy for anyone whose business involves selling items via the internet. Because the risks are the same whether you’re an eBay seller, you sell through Amazon or Etsy, or if you have your own online shop.
Neither does it matter whether you make your own products or sell things you get from somewhere else.
Providing your annual turnover is below £500,000, this insurance is for you. It allows you to keep your online shop open all hours, safe in the knowledge you’re protected.
Read some of the questions people ask about online retailers’ insurance.
Because even though your business may be floating freely in the cloud, your risks are very real. And real risks can bring some hard-hitting problems with them. The kind that disrupt trading and cost you money.
For instance, something you sell might accidentally injure someone or damage their property. That could easily trigger an expensive compensation claim against you for bodily harm or rectification costs.
You may have to turn customers away because of stock issues. Maybe technical problems or supply chain failures stop you from fulfilling orders. Both can leave a big hole in your bottom line.
In the real world, complications like these can damage both your business and your reputation. Online retailer insurance helps by paying to smooth things over, deal with the problems, and keep your online store trading.
Read more about why you need online retailers’ insurance.
Running an e-commerce business means keeping track of a thousand things at once. Online retailers’ insurance helps by looking after the things you might miss. Here’s what you need to cover the basics:
Read more about what e-commerce insurance you need.
Our online retailers' insurance can cover you if you sell to the USA - as long as your business is based in the UK.
That includes if 100% of your sales are from the USA (as long as your US turnover doesn't go over £1 million).
Some platforms have specific insurance requirements. Amazon US, for example, requires you to have £1 million public liability and product liability for the USA and Canada if you make over $10,000 US sales a month.
Even if you earn less, it's still a good idea as selling in the USA can be risky. You can find out more about insurance and Amazon here.
In a perfect online world, trading is a breeze, all day every day. Goods fly off your virtual shelves quicker than you can say Jiminy Click-it, and your online shop always ranks number one in google search.
Only things don’t always go like that. And there are inevitable bumps along the way. Luckily, you can increase your business’s chances of a smoother ride by adding some other types of cover to your online retailers’ insurance shopping basket:
Because we’re professional insurance experts. We know exactly what you need to protect your business - even if you don’t.
We also know business insurance can be confusing and time-consuming to buy. So we cut out all the jargon and make sure you can get a policy quickly and easily.
We do all this while treating you like a person, not a number. Call centres and phone menus aren’t part of how we do things. So, if you ring our number, you’ll get straight through to a friendly advisor who can help.
Still not convinced and need a second opinion? Then read what our thousands of customers have to say about us. At the end of the day, 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.
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