Ecommerce Insurance
Do Amazon sellers need insurance to avoid account suspension or comply with platform rules?
Coverage Options For Online Retailer Insurance
Selling online comes with unique risks, from product liability to shipment issues and customer disputes. Whether you run your own online store or sell through platforms like Amazon, Ecommerce Insurance helps protect your digital business from unexpected claims and interruptions. Gild partners with trusted insurers to offer specialized coverage tailored for online retailers, including Amazon sellers. Get the protection your store needs so you can focus on scaling your ecommerce venture with confidence.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Get Online Store Insurance?
If you own a business, the right insurance helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider online store insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could strain your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients or landlords often require proof of general liability insurance coverage.
- Protect your place and tools: Business personal property insurance can cover your business’ property, equipment, and inventory against covered losses like fire, theft, or vandalism.
- Protect Against Injuries, Damage, and Errors: General liability insurance helps cover third-party bodily injury and property damage.
- Take care of your team and HR risks: Workers compensation insurance provides protections related to on-the-job injuries, and employment practices liability insurance helps address claims of discrimination, harassment, or wrongful termination.
- Keep revenue flowing after a crisis: Business interruption insurance can replace lost income and help you reopen after a covered event.
Why Does My Business Need Ecommerce Business Insurance?
Certain ecommerce business insurance coverages are required by state or federal law to protect employees and the public from business related risks. The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
The best way to find the right online retailer insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Professional Services
- Building and Construction
- Facility Services
- Retail and Shops
- Marketing and Media
- Manufacturing
- Pet Services
- Healthcare and Wellness Practices
- Beauty and Salon
- Food and Beverage
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes. Amazon’s Business Solutions Agreement requires Professional Sellers exceeding $10,000/month in sales to carry insurance that meets specific requirements. Not complying can result in warnings or even account suspension.
Insurance also:
- Builds trust with buyers by showing you run a professional, stable business.
- Protects your assets and future sales against unexpected claims.
- Ensures you remain compliant with Amazon’s seller policies.
What types of insurance does an Amazon seller need?
Amazon requires Professional Sellers who earn over a certain sales threshold to carry liability insurance. Core coverages include:
- General Liability – Protects against third-party bodily injury or property damage from your products.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage to protect against customer injury claims and damage to your business assets.
- Product Liability Insurance – Critical for sellers; protects you if an item you sell causes harm or property damage.
- Cyber Liability – Valuable for protecting against data breaches, given e-commerce reliance on digital transactions.
What is a business owner's policy (BOP)?
A business owner's policy (BOP) is a packaged insurance product. It combines the offerings of general liability coverage and property protection coverage into a single insurance policy. Buy one policy instead of two and save money!
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