Risks & Coverage for E-Commerce Stores
Online stores face product liability risks even if they don't manufacture goods. Selling a product that causes injury or property damage creates exposure regardless of whether you made it.
Top Risks for E-Commerce Stores
- Product liability
- Data breaches
- Shipping disputes
- Inventory loss
Recommended Coverages
- Product Liability
- Cyber Liability
- Commercial Property
- Business Interruption
E-Commerce Store Insurance Tips
1
Product Liability is critical even if you don't manufacture products — resellers can be named in lawsuits
2
Cyber Liability covers data breaches involving customer payment and personal data
3
Inventory/stock coverage protects your warehouse or fulfillment stock against fire, theft, and natural disaster
4
Shipping and cargo insurance fills gaps that carrier liability limits leave open