ecommerce business insurance

Ecommerce Business Insurance

We Can Help you Find the Right Insurance for your Ecommerce Business at the Right Price

Every online retail business is different, that’s why you need flexible ecommerce business insurance to suit your particular needs. We draw on our market relationships and experience in finding the right cover for UK ecommerce businesses.

As your broker, we’ll work with you to understand the needs of your business and the risks you face before searching the market to gather tailored ecommerce insurance quotes. Then once you’re happy, we can get your cover set up straight away.

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

90% of our customers would recommend our service

Cover available for ecommerce businesses**

  • Book debts.

  • Business interruption.

  • Cyber.

  • Directors and officers insurance.

  • Employers liability.

  • Fleet.

  • Goods in transit.

  • Legal expenses.

  • Money.

  • Professional indemnity.

  • Property damage.

  • Public and product liability.

  • Specified all risks.

  • Terrorism.

  • Theft by employee.

Why Ecommerce Business Insurance is Important

Even though you may not operate a bricks and mortar store, you’ll still face risks that are common for traditional offline retailers.

The loss of any business assets from damage to stock while in transit, loss of takings and money, or even a cyber-attack could be devastating to your business. It could not only impact your ability to operate, but also affect customer experience which is extremely important for ecommerce businesses.

If you have employees then employers liability insurance is required by law and it covers you if any of your employees are injured or become sick as a consequence of working for you. You might also want to consider financial protection for your takings and money stored either at your home, or a business storage facility, or being taken to a bank. And if you transport your own stock and items for delivery, then you may want to get commercial vehicle insurance and goods in transit insurance. Business interruption insurance can also help you to pay the bills if you’re unable to trade.

So having the right ecommerce business insurance in place is vital to protect against these risks and prevent you having to pay money out of your own pocket if someone makes a claim against you.

Get Ecommerce Insurance

Let us take on the work of finding you the right ecommerce insurance, at the right price – we’ll make it really quick and easy for you.

We know you’re busy, so we’ll offer sage advice and search for the insurance you need, so you can get on with running your business, on your terms.

Contact us and put us to the test.

Find out more about our online retailer insurance and insurance for specific kinds of retailers and shop owners.

Frequently asked questions

As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims. As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example. Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation. Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you. Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business. Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

90% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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