E-Commerce Business Insurance

Yes. E-commerce businesses face significant risks including product liability claims (from customers harmed by products you sell), cyber threats, stock loss, and business interruption. These risks can be financially devastating without insurance.

Marketplaces like Amazon and Noon require sellers to maintain their own product liability insurance. Platform insurance programs typically offer limited coverage and do not replace a standalone seller policy. Check your selling agreement for requirements.

Even if you didn't manufacture the product, as the seller you can be held liable for injuries or property damage it causes. Product liability insurance covers your legal defence and any compensation awarded — protecting your business from potentially significant claims.

Returns fraud (where customers falsely claim items were not received or are damaged) is a growing challenge. Specific coverage solutions are available for this risk — ask our team about options for high-volume retailers experiencing this problem.

Yes. We can arrange coverage for goods stored with third-party logistics providers (3PLs) and fulfillment centers. The coverage structure depends on who bears the risk under your warehousing agreement. Our team will review your contracts and recommend the right approach.

E-commerce cyber insurance covers: data breach notification and response costs, payment card fraud losses, ransomware affecting your platform, business interruption from cyber attacks, and third-party liability to affected customers. This is essential for any business handling customer payment data.