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Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?
Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face…
Online RetailerInsurance
Online Retailer Insurance
Product liability, goods in transit and cyber cover built for online sellers, whatever platform you sell through.
Product liability, goods in transit and cyber cover built for online sellers, whatever platform you sell through.
Product liabilityGoods in the postCustomer data
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Speak to a specialist 0330 027 0996
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What is online retailer insurance?
Online retailer insurance is a combination of covers built around selling goods without a shop customers walk into, product liability for what you sell, goods in transit for parcels on their way to buyers, and cyber cover for the payment and customer data you hold.
No shop floor doesn’t mean no risk. A faulty product, a lost parcel or a data breach can all still cost real money, whichever platform you sell through.
The right online retailer cover depends on:
What you sellWhere you hold stockDelivery and courier arrangementsHome-based or separate premisesCustomer and payment data heldNumber of staff
Is this cover right for your business?
Is this cover right for your business?
This cover suits any business selling goods online, whatever platform or setup you use.
This cover suits any business selling goods online, whatever platform or setup you use.
Marketplace Sellers
Selling through eBay, Amazon or Etsy.
Own Website Retailers
Selling through your own online store.
Home-Based Sellers
Running the business from home.
Handmade & Craft Sellers
Making and selling your own products.
Dropshippers
Selling without holding your own stock.
Multi-Channel Retailers
Selling across several platforms at once.
What could go wrong for an online retailer?
What could go wrong for an online retailer?
Most online retailer claims come from a product causing harm, a parcel lost or damaged in transit, a data breach exposing customer details, or stock damaged in storage.
Most online retailer claims come from a product causing harm, a parcel lost or damaged in transit, a data breach exposing customer details, or stock damaged in storage.
Product liability covers claims if something you’ve sold injures a customer or damages their property.
How could a claim affect your business?
How could a claim affect your business?
A single claim can outweigh months of margin on a small online business.
A single claim can outweigh months of margin on a small online business.
Product Recall
A faulty product needs to be recalled or replaced at scale.
What cover may respond?
Product Liability
Lost Parcels
Multiple orders are lost or damaged by a courier.
What cover may respond?
Goods in Transit
Data Breach
Customer payment details are exposed in a breach.
What cover may respond?
Cyber Cover
Stock Loss
A fire or flood damages stock held at home or in storage.
What cover may respond?
Business Contents
Who needs online retailer insurance?
Online retailer insurance may be suitable if you sell goods without a shop customers walk into, whatever platform you use.
This cover may be suitable if you’re:
Selling on Amazon, eBay or EtsyRunning your own online storeSelling handmade or craft goodsRunning the business from homeSelling across multiple platformsHolding stock in a warehouseCover built around your online business
Cover built around your online business
Most online retailers combine product liability, stock cover and cyber insurance, with goods in transit cover for orders on their way to customers.
Most online retailers combine product liability, stock cover and cyber insurance, with goods in transit cover for orders on their way to customers.
Product Liability
Protection if something you’ve sold injures a customer or damages their property.
Goods in Transit
Protection against eligible claims for parcels lost or damaged on the way to customers.
Business Interruption
Potential protection for lost income if an insured event stops you trading.
Cyber Cover
Cover for eligible costs following a data breach or cyber incident.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for customer and supplier disputes.
How to get online retailer insurance
How to get online retailer insurance
Getting online retailer insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting online retailer insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you sell, and how and where you trade.
2
Choose your covers
Product liability, goods in transit and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Online retailer insurance guides
Online retailer insurance guides
Practical advice on cover, data protection and staying protected.
Practical advice on cover, data protection and staying protected.
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Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?
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What Does Convenience Store Insurance Protect You Against?
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Why Newsagents and Corner Shops Need Tailored Insurance
Running a newsagent or corner shop comes with everyday risks. From stock damage to customer injuries, unexpected events can affect both finances and…
Online retailer insurance FAQs
Online retailer insurance FAQs
Straight answers on cover, marketplaces, data protection and cost.
Straight answers on cover, marketplaces, data protection and cost.
Online retailer insurance is a combination of covers built around selling goods without a shop customers walk into: product liability for what you sell, goods in transit for parcels on their way to buyers, and cyber cover for the data you hold.
Still have questions?
Our advisers are here to help you find the right solution.
Related retailers we cover
Related retailers we cover
Online retailers share product and delivery risks with these businesses. Each has its own cover needs.
Online retailers share product and delivery risks with these businesses. Each has its own cover needs.
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Market Trader Insurance
Traders who sell in person as well as online.
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Wholesale Insurance
Bulk stock holding and supply to other businesses.
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Clothes Shop Insurance
Retail stock management, returns and customer claims.