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Online Retail Insurance

Insurance for Online Retailers and eCommerce Businesses

We can help you find the right business insurance for your online retail or ecommerce business, at the right price – no fuss, no hassle.

We know that every online retail business is different, so a one-size-fits-all approach to insurance doesn’t work. That’s why we draw on our market relationships and our experience in finding the right cover for the UK’s small businesses to help secure online retail business insurance that is tailored to individual needs.

As a broker, we’ll work with you to understand your business and the risks you face, before searching the market to gather tailored online retail insurance quotes and, once you’re happy, get your cover set up straight away – it’s quick and easy.

Available Covers*

  • Property damage.

  • Legal expenses.

  • Business interruption.

  • Book debts.

  • Goods in transit.

  • Money.

  • Specified all risks.

  • Public and products liability.

  • Employers liability.

  • Theft by employee.

  • Terrorism.

  • Directors and officers insurance.

  • Professional indemnity.

  • Fleet.

  • Stock throughput.

Why Insurance is Important for Online Retailers

While it’s true that many online retailers do not operate bricks and mortar, customer facing stores, they still face many of the risks that are common amongst traditional offline retail outlets.

The loss of any of those essential business assets, whether through incidents like fire and flood, or – for instance – through damage to stock while in transit, can have a huge impact on everything from the customer experience to the ability to operate the business at all.

Protecting against those risks is just one reason why online retail insurance is so important. But then there are risks to employees, and the need to buy compulsory employers liability insurance, and risks to essential equipment and technology.

The truth is online retail business insurance could be crucial to profitability, even business survival, if something were to go badly wrong. In fact, the right eCommerce insurance policy, tailored to your needs and yours alone, is a simple and effective way to protect your business, your people and your livelihood.


Get Online Retail Insurance or eCommerce Insurance

Let us take on the work of finding you the right online retail business 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 to put us to the test.

 *Cover may differ dependent upon insurer.




What Kind of Supermarkets Do You Insure?

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we’ll look for a policy that best suits your needs.

Why Do I Need Supermarket Insurance?

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.

What Supermarket Insurance Cover Do I Need?

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.

What Optional Cover is Available?

As we work with a panel of specialist insurers, we can arrange the insurance you want and need. All you need to do is tell us what you would like including in your policy and we will arrange that for you.

How Much Does Supermarket Insurance Cost?

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel 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.

What supermarket is featured on this page?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Your Convenience Store in Barrowford, Lancashire is one of our high street heroes.

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco


Photographic Equipment


Wines and Spirits




DVDs, Blu-rays, CDs and Video Games




Electrical Equipment


All Other Stock


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This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

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If you are a tenant you will be responsible for any improvements you have made.

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If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?


You Could Save Over 15% With Us*

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