Small enterprise homeowners need to work with dependable ecommerce insurance coverage carriers that provide high quality protection at an inexpensive fee and may scale with their enterprise. We in contrast greater than 15 carriers on standards, together with prices, coverage choices, and on-line options to provide you with the six greatest ecommerce insurance coverage corporations.

High 6 Ecommerce Insurance coverage Corporations

Insurance coverage Supplier

Greatest For

(Greatest total) Small enterprise homeowners who need entry to one of the best ecommerce insurance coverage corporations

Sole proprietors or microbusinesses who’re simply getting began with an ecommerce enterprise

Ecommerce enterprise homeowners who retailer each digital and bodily knowledge

Internet-based companies that need quick quotes for cyber insurance coverage

Brick-and-mortar retailers who need to add ecommerce operations

Internet retailers who manufacture their merchandise and want product legal responsibility protection

Are you interested by how we picked one of the best ecommerce insurance coverage corporations? See our standards here.

What Is Ecommerce Insurance coverage?

Ecommerce insurance coverage is a bunch of insurance policies that small enterprise homeowners want after they promote merchandise on-line. Many of the insurance policies are widespread to all enterprise homeowners, however ecommerce usually requires extra protection. For instance, most ecommerce companies want:

Who Wants Insurance coverage for On-line Enterprise?

Any small enterprise proprietor who sells services or products on-line sometimes wants ecommerce insurance coverage to reduce their dangers. Whether or not you’re a one-person present otherwise you personal a bigger firm with a warehouse of stock, insurance coverage for a web based enterprise protects your belongings by masking prices when issues go fallacious.

Ecommerce insurance coverage could also be significantly essential for sole proprietorships. The legislation makes no distinction between a sole proprietor’s enterprise and private belongings, so an costly lawsuit can drain the enterprise proprietor’s private financial savings account. Moreover, home-based enterprise homeowners ought to look into ecommerce insurance coverage as a result of their dwelling insurance coverage almost certainly excludes enterprise actions and property.

How A lot Does Insurance coverage for an On-line Enterprise Value?

Insurers take into account many components to find out an ecommerce enterprise’s premiums. These traits embody the enterprise’ industry, merchandise bought, revenues, and claims historical past. Consequently, prices fluctuate broadly from insurer to insurer, however most companies can count on to pay between $300 to $5,000 yearly.

CoverWallet: General Greatest Ecommerce Insurance coverage Firm


CoverWallet takes the highest spot on our listing of greatest ecommerce insurance coverage corporations due to its capacity to assemble quotes from a number of carriers. As a dealer, CoverWallet companions with standout insurers, together with CNA and Chubb, to carry high quality protection for small ecommerce corporations that need to examine gives and purchase insurance policies shortly. CoverWallet provides to this worth with an inventory of on-line options that simplify coverage administration.

CoverWallet Strengths

CoverWallet Weaknesses

One utility returns a number of quotes for comparability

Customer support and claims processing varies by insurer

A number of coverage varieties out there

Monetary stability varies by insurer

Minimal premiums listed for many insurance policies

Brokers charges could apply

On-line entry to certificates, claims assist, value alerts, and coverage notification


Help through chat, electronic mail, and telephone

Visit CoverWallet


Refreshingly, CoverWallet is likely one of the few on-line suppliers that provides pricing on its web site—and it’s straightforward to seek out. Prices fluctuate relying on the kind of ecommerce enterprise and the way a lot protection is required, however CoverWallet lists the beginning premium for primary basic legal responsibility protection at $39 per 30 days and a enterprise proprietor’s coverage at $49 per 30 days.

By customizing a coverage with extra protection, costs naturally enhance. For instance, cyber legal responsibility insurance coverage for ecommerce companies runs about $500 yearly, and enterprise interruption insurance coverage prices about $800 per yr with CoverWallet.

Protection Choices

Ecommerce companies should purchase all the commonest insurance policies they want from CoverWallet to function with safety, together with basic legal responsibility, enterprise interruption, and cyber legal responsibility protection. A number of different insurance policies, resembling inland marine legal responsibility, are additionally out there.


A few of CoverWallet companions embody:

  • Berkshire/Hathaway Guard
  • Chubb
  • CNA
  • Liberty Mutual
  • Markel

On-line Options

CoverWallet’s “digital wallet” is an intensive insurance coverage administration instrument that permits clients 24/7 entry to a number of useful companies, together with:

  • Certificates of insurance coverage help
  • Coverage expiration notifications
  • Worth alerts
  • Peer danger and coverage comparisons
  • Protection suggestions
  • Declare assist

If you have already got enterprise insurance coverage insurance policies from one other service, CoverWallet lets you use the digital pockets to handle them for less than $99 per yr. CoverWallet additionally gives a easy on-line recommendation instrument that helps consider your ecommerce insurance coverage wants. You will discover extra value data, together with minimal premiums for different ecommerce insurance policies, in our CoverWallet review.

Hiscox: Greatest for Microbusinesses


Hiscox excels in business insurance coverage for sole proprietorships and microbusinesses, which is an effective match for ecommerce companies which might be run out of the house. The service additionally makes a speciality of lower-risk corporations, which helps to maintain protection prices extra inexpensive. Ecommerce companies can tailor a BOP with Hiscox to incorporate digital knowledge loss insurance coverage.

Hiscox Strengths

Hiscox Weaknesses

A number of coverage varieties out there

Some insurance policies are outsourced to a dealer

A number of coverage varieties out there

Restricted urge for food for online-only companies

Complimentary cyber safety coaching and breach administration assets


Help through chat or telephone



Visit Hiscox


A basic legal responsibility coverage from Hiscox begins at $350 per yr for a lot of small enterprise homeowners. Bundle it with property protection and enterprise interruption, and the minimal annual premium is $500. Moreover, Hiscox gives:

  • Month-to-month fee plans with no further charges
  • A 14-day full money-back assure
  • Reductions of as much as 5% for a number of insurance policies or home-based companies

For extra financial savings, Hiscox gives decrease enterprise insurance coverage charges in case your ecommerce enterprise practices good danger administration to decrease your probability of submitting a declare.

Protection Choices

Hiscox makes a speciality of legal responsibility insurance coverage, particularly for microbusinesses and home-based companies, with the flexibleness to tailor merchandise to cowl exposures in quite a few industries, resembling:

  • Normal legal responsibility
  • Cyber legal responsibility
  • Staff’ compensation
  • Skilled legal responsibility


Hiscox companions with on-line insurance coverage dealer CyberPolicy to supply:

On-line Options

Hiscox has an easy-to-use on-line utility that returns quotes inside minutes, which is a rarity amongst insurance coverage carriers. Policyholders may use its on-line portal to:

  • Request loss runs and coverage paperwork
  • Replace enterprise data
  • Get hold of certificates of insurance coverage
  • Request waivers of subrogation
  • File claims

By means of the years, Hiscox has developed many insurance coverage merchandise particularly for small companies, and it has an urge for food for a number of industries. You will discover a extra full listing in our Hiscox review.

Nationwide: Greatest for Saved Information


Nationwide, a widely known nationwide service, makes a speciality of each property and casualty insurance coverage and gives a wide selection of business insurance coverage merchandise for ecommerce companies. The spotlight of those is its cyber coverage, which mixes three key coverages: knowledge restoration, id theft, and cyber safety.

Nationwide Strengths

Nationwide Weaknesses

A number of coverage varieties out there

Value data not out there

Cyber insurance coverage covers lack of digital knowledge or exhausting copies

No on-line help

On-line utility and declare submitting


High-ranked customer support


A+ (Superior) score from A.M. Greatest


Visit Nationwide


Nationwide doesn’t present particular value data for ecommerce insurance coverage on its web site. Nonetheless, it does provide versatile fee choices and lists components which will affect your premium, together with:

  • Particulars about your services or products
  • Annual gross sales and payroll
  • Claims historical past

Whereas these components are a place to begin for potential prices, making use of for ecommerce insurance coverage is the one approach to get a quote.


Nationwide gives all the commonest varieties of ecommerce insurance coverage for small enterprise homeowners to select from, together with:

  • Normal legal responsibility
  • Business property
  • Enterprise proprietor’s coverage
  • Skilled legal responsibility
  • Staff’ compensation
  • Cyber legal responsibility

Nationwide’s cyber legal responsibility insurance coverage covers each on-line knowledge breaches, resembling a cybercrime or virus, plus these ensuing from misplaced or stolen units and recordsdata.

On-line Options

On-line options supplied by Nationwide embody:

  • On-line utility and quotes
  • Native agent lookup
  • Declare reporting
  • Invoice fee

Regardless of its restricted on-line options, Nationwide has been ranked primary in J.D. Power’s Small Commercial Study for 2 consecutive years. You may study extra concerning the firm in our review.

CyberPolicy: Greatest for Quick Cyber Insurance coverage Quotes


On-line insurance coverage dealer CyberPolicy is our decide for quick cyber insurance coverage quotes. Cyber insurance coverage is an advanced coverage, however CyberPolicy has created a easy on-line utility that returns quotes to check in lower than a minute. On prime of that, the corporate gives primary ecommerce insurance coverage insurance policies plus instruments to assist enterprise homeowners decide what they want.

CyberPolicy Strengths

CyberPolicy Weaknesses

A number of coverage varieties out there

Enterprise insurance policies aside from cyber insurance coverage have a tendency to not return quotes

Coverage suggestions and cyber danger evaluation instruments out there on-line

Customer support and claims processing fluctuate by insurer

Minimal premiums listed

Monetary energy varies by insure

No brokers charges


Visit CyberPolicy


CyberPolicy is a brokerage, so it doesn’t promote its personal insurance coverage merchandise. That mentioned, it does listing minimal month-to-month premiums on its web site:

  • Normal legal responsibility: $20 per 30 days
  • Cyber legal responsibility: $10 per 30 days
  • Staff’ compensation: $20 per 30 days
  • BOP: $20 per 30 days
  • Administrators and officers: $10 per 30 days
  • Skilled legal responsibility: $20 per 30 days

Moreover, CyberPolicy is likely one of the few on-line brokers that doesn’t cost a brokers payment.

Protection Choices

The listing above consists of nearly each coverage a small ecommerce enterprise wants, however CyberPolicy additionally works with carriers that present different priceless coverages, resembling umbrella legal responsibility, business property, employment practices, and inland marine.


To carry cowl small companies, CyberPolicy companions with carriers like:

  • Acuity
  • AmTrust
  • Beazley
  • biBERK
  • Chubb
  • Liberty Mutual
  • Hiscox
  • Nationwide
  • The Hanover Group

On-line Options

Its quick utility is simply one of many on-line options CyberPolicy gives. You can even use Insurance coverage Guru to get coverage suggestions and Cyber Checkup to determine the place your corporation could also be weak to a cyberattack.

Regardless of its identify, CyberPolicy gives a variety of enterprise insurance policies, so it may possibly cowl loads of different industries. Study extra in our CyberPolicy review.

Layr: Greatest for Manufacturing Operations


Layr is a web based insurance coverage brokerage that embraces know-how to make it simpler to purchase business insurance coverage. Whereas it locations a serious give attention to cyber legal responsibility safety, it’s the best firm for ecommerce enterprise homeowners with manufacturing operations as a result of it gives product legal responsibility for A-rated carriers.

Layr Strengths

Layr Weaknesses

A number of coverage varieties out there, together with standalone product legal responsibility

Customer support and claims processing fluctuate by insurer

On-line utility consists of explanations

Monetary energy varies by insurer

No utility required for Xero, Sq., and Stripe customers

Financing payment charged on each coverage

Entry to A-rated or increased insurance coverage carriers

Trade-specific data is tough to seek out

Visit Layr

Layr Prices

Layr doesn’t listing protection value data on-line, however it does clarify its two income streams. First, Layr receives a fee from insurance coverage carriers for each coverage bought on its platform. Moreover, companies pay a percentage-based finance payment of as much as 20% of their coverage’s premium.

Based on its web site, Layr fees the payment to cowl prices related to sustaining the insurance policies it sells, and this takes away any incentive an agent could need to upsell protection. Layr additionally claims that its environment friendly platform saves carriers cash, so that they’re prepared to promote insurance policies for lower than they do for competing on-line brokers. Consequently, Layr says its clients save as much as 35% on insurance coverage.

Layr Protection

Layr gives all the commonest insurance policies ecommerce companies want, however it companions with carriers which have some distinctive choices. Probably the most fascinating is the standalone product legal responsibility coverage. Most on-line retailers discover adequate product legal responsibility safety of their basic legal responsibility insurance coverage, however retailers who manufacture their merchandise might want the broad protection present in a standalone coverage.

Drop shippers and retailers promoting on third-party platforms like Amazon may get quotes for chargeback insurance coverage. It is a new protection kind and is obtainable by just a few A-rated carriers.


Layr solely works with carriers which might be rated A or higher, resembling:

  • Chubb
  • AIG
  • CNA
  • Beazley
  • The Hanover Group
  • Vacationers

Layr On-line Options

Like most on-line insurance coverage brokers, Layr lets enterprise homeowners get quotes on-line, pay payments, handle insurance policies, and procure certificates of insurance coverage. It additionally gives industry-specific coverage suggestions, though a lot of that’s tough to seek out. In some methods, nevertheless, Layr goes above and past with its:

  • On-line utility: Not solely is Layr’s utility straightforward to finish, however it has a sidebar that explains why questions are being requested and gives examples for tough questions.
  • Coverage transfers: Enterprise homeowners could make Layr the dealer for all of their insurance policies on-line and in 30 seconds. Different on-line brokers cost for this service.
  • Vendor integrations: Enterprise homeowners who use Sq. or Stripe can apply for cyber legal responsibility insurance coverage beginning at $480 per yr with out submitting an utility. Xero customers can get suggestions and quotes for a number of ecommerce insurance coverage insurance policies with out an utility.

Based in 2016, Layr is a more recent entry into the enterprise insurance coverage market, so buyer evaluations are robust to return by. Nonetheless, you possibly can try our Layr review.

The Hartford: Greatest for New Ecommerce Providers

The Hartford

The Hartford is a big, well-known insurer that may customise insurance policies for a lot of industries, together with retail. Particularly, retailers who need to add ecommerce companies ought to have a look at The Hartford’s enterprise proprietor’s coverage referred to as Spectrum. It covers brick-and-mortar operations whereas providing non-compulsory protection for cloud companies interruptions and enterprise earnings if a 3rd occasion that you just rely on is unable to offer companies as a consequence of a lined loss.

The Hartford Strengths

The Hartford Weaknesses

A number of coverage varieties out there

No value data listed

Elective protection for interruptions to cloud companies and dependent properties

Longer utility with out on-line chat

Broad protection for retailers

Not out there in Alaska or Hawaii

A+ (Superior) score from A.M. Greatest


Visit The Hartford


Sadly, The Hartford doesn’t present any value data on its web site. Like many different carriers, it does listing the components that go into calculating your premium, resembling:

  • Trade
  • Owned property
  • Sort of belongings
  • Variety of staff
  • Claims historical past
  • Payroll


The Hartford’s enterprise proprietor’s coverage might be a very powerful protection for small retailers wanting so as to add ecommerce. Along with getting basic legal responsibility and business property insurance coverage, you possibly can add:

  • Cloud service interruption protection: Replaces misplaced earnings if an interruption in your cloud service forces you to droop operations
  • Enterprise earnings for dependent properties: Covers misplaced earnings if a enterprise you rely on, resembling a producer or provider, is unable to offer companies due to a lined loss

One other good factor about working with an organization that’s been writing insurance coverage for a very long time is that you would be able to often stick with it as your corporation grows. The Hartford is not any totally different, providing protection to retailers with gross sales as much as $15 million and with payrolls as much as $6 million in addition to broad staff’ compensation protection.

On-line Options

Like different carriers, The Hartford permits you to go browsing to:

  • Arrange computerized on-line invoice pay
  • Request certificates of insurance coverage
  • View coverage paperwork and statements
  • Report claims

With its deep pockets, The Hartford can present high quality protection in plenty of industries. You will discover extra data in our review of The Hartford.

How We Evaluated Ecommerce Insurance coverage Corporations

We used the next standards to guage ecommerce insurance coverage corporations:

  • Prices: Most insurance coverage carriers don’t listing costs on-line, so we in contrast quotes in addition to minimal premiums and potential reductions at any time when they had been out there.
  • Protection choices: The very best ecommerce insurance coverage corporations provide many of the insurance policies a enterprise proprietor would possibly want. We additionally take into account endorsements and protection phrases. For brokers, we additionally checked out what carriers they partnered with to get a way of the choices out there.
  • Extra companies: Insurance coverage suppliers usually set themselves aside by providing extra companies, resembling coverage administration instruments and danger evaluations.
  • Monetary stability: Monetary stability is a vital issue when contemplating ecommerce insurers as a result of it reveals they will pay claims. Of the 4 main credit standing businesses, we targeted on A.M. Greatest as a result of it gives charges for the insurance coverage industry.

Backside Line

Ecommerce enterprise homeowners are involved with money and time as are most small enterprise homeowners. Whereas these are important components with regards to looking for ecommerce insurance coverage, you additionally need to work with an organization that covers your particular dangers and gives experience in your industry.


Please enter your comment!
Please enter your name here