E-commerce insurance

Flexible monthly subscription cover for e-commerce platforms, online retailers and businesses that sell their products online.

Bespoke insurance for your business

From£
5.13
per month

Our range of covers for e-commerce businesses offers advanced level of protection for your online operations as well as your team, your products and office contents, your liability to clients and suppliers.

  • Pay monthly
  • Change your cover anytime
  • Make changes without fees
  • Instant documents

Purpose-built, subscription-style monthly insurance that you can change or cancel at any time, seamless claims process and expert advice from the team that gets your business.

Why should you consider e-commerce business insurance?

Cyber security

Cyber and data security should be the primary concern of online and e-commerce businesses. Sensitive customer data makes e-commerce businesses one of the main targets for cyber attacks and puts even greater pressure on these businesses to comply with GDPR regulations.

Business interruption

Complete reliance on online operations makes e-commerce sellers more vulnerable to unexpected business interruption. Whether that’s a power cut that affects your servers, online account suspension or damage to your computers.

Product liability

A must-have for businesses that sell physical products (online or at an occasional pop-up or exhibition), product liability insurance protects you from claims of accidental damage as a result of your products.

Business insurance for e-commerce businesses and online retailers

Select your covers and customise them to your business. Choose the level and limit of protection that’s right for you.

Cyber insurance

Cyber insurance is one of the most important covers for e-commerce platforms and businesses that sell their products online. It protects sellers from claims arising from cyber and data liability as well as provides a vital support system if you experience a security breach. Our cyber insurance is a truly innovative product designed with digital businesses in mind. We offer a number of extensions to the policy, such as media liability which protects content that you publish online and an award-winning breach response package with legal, PR and IT forensic support - all of this comes with this cover as standard, without additional fees.

Public and product liability insurance

One of the essential covers for any type of business is public liability, this cover will protect you against claims of accidental injury or property damage. If you occasionally do photoshoots for your e-commerce business, participate in fairs, exhibitions or pop-up shops, this cover is often required by organisers. Our product liability cover, which comes as standard, will protect you if a third party is injured because of your products or if it causes accidental property damage.

Employers liability insurance

Employers liability (EL) cover is a legal requirement for UK companies, even if you employ temporary or part-time staff. It includes protection for teams who work from home or travel for business anywhere in the world.

Contents and equipment insurance

Contents and equipment insurance protects your essential equipment, office furniture, documents and cash from theft and damage. Our insurance even covers you if you’re working from a co-working space and protects your kit when you take it anywhere in the world, for up to 90 days.

Directors and officers insurance

If you have external shareholders you should consider D&O insurance. It will protect personal liability of your directors and senior management team for a whole range of issues, from breaching health and safety laws to misrepresentations in a pitch deck, or errors in financial reporting.

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Pick from our broad range of specialist covers and tailor them to your business to get the exact protection you need. Change or cancel your subscription anytime from your online account.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

We insure thousands of innovative businesses

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.