Ecommerce Businesses Insurance
Protect your online business from product claims, data breaches and delivery disputes with cover built for digital retail.
Get in touchWhat is ecommerce businesses insurance?
Ecommerce Businesses insurance is a specialist policy designed to protect retail businesses from the risks of selling products, managing premises and employing staff. It typically includes public liability, employers liability, stock cover and buildings and contents insurance.
Running a retail business involves risks from customer injuries and product claims to theft and property damage. The right insurance protects you against claims that could otherwise threaten your business.
Find insurers who understand retail and ecommerce businesses, so your cover reflects the products you sell and the channels you trade through.
Public Liability
Covers claims for injury or damage caused by products you sell online.
Products Liability
Covers claims from products you source and sell through your online store.
Cyber Liability
Covers data breaches involving customer payment and personal information.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Who needs ecommerce businesses insurance?
Online-only retailers
Selling products exclusively through a website
Marketplace sellers
Trading on Amazon, eBay or Etsy
Dropshippers
Selling products that ship directly from suppliers
Subscription box businesses
Curating and selling subscription product boxes
WHY CECIL
Built differently.
Cover for ecommerce businesses risks
Ecommerce Businesses face specific risks from product claims to customer injuries. Cecil finds insurers who understand your retail sector and cover these risks properly.
Stock and premises protected
Your stock and premises are your primary assets. Cecil ensures your policy covers the full value of your inventory and business property.
Products liability included
If a product you sell causes injury or damage, products liability covers the claim. Cecil makes sure this is part of your retail insurance package.
Competitive quotes for retailers
Get options from specialist insurers to find retail insurance from specialist providers. Cover that reflects the specific risks of your business, not a generic commercial policy.
Common questions about ecommerce businesses insurance
Do ecommerce businesses need public liability insurance?
Yes, public liability is essential for retail businesses. Customer injuries on your premises and product-related claims are real risks that require proper cover.
Does ecommerce businesses insurance cover stock theft?
Yes, your buildings and contents policy typically covers stock theft, subject to security requirements. Cecil ensures your stock is covered at its full value.
Do ecommerce businesses need products liability insurance?
If you sell products to customers, products liability covers claims if those products cause injury or damage. It is an essential part of retail insurance.
What level of public liability do ecommerce businesses need?
Most retailers carry between £1m and £5m of public liability cover. Shopping centre landlords and market operators may specify minimum levels.
Does ecommerce businesses insurance cover online sales?
Products liability covers your products wherever they are sold. If you sell online, make sure your insurer knows about your ecommerce operations.
Interested in Ecommerce Businesses insurance?
We will be in contact when Cecil launches.