Ecommerce Insurance Coverage

Online businesses face unique challenges every day. From cyber attacks to product liability claims, Harper Insurance understands the complex risks that ecommerce operations encounter while managing digital storefronts, processing online payments, and fulfilling customer orders worldwide.

Our comprehensive ecommerce insurance policies are specifically designed for companies involved in online retail, digital marketplace operations, and internet commerce. Whether you operate a single online store or manage multiple ecommerce platforms, we provide tailored coverage solutions that protect your digital assets, inventory, and business operations.

Essential Ecommerce Insurance Types

Cyber Liability Insurance

Critical protection against data breaches, payment system hacks, and customer information theft. Covers notification costs, credit monitoring, legal defense, and regulatory fines from cybersecurity incidents affecting your online business.

Product Liability Insurance

Essential coverage for claims that products you sell caused injury or property damage to customers. Protects against defective product claims, manufacturing defects, and inadequate warning allegations even when sourced from suppliers.

General Liability Insurance

Protects against third-party injury and property damage claims. Essential for ecommerce businesses with warehouse operations, shipping activities, or any physical business locations where customers or vendors may visit.

Commercial Property Insurance

Covers your business equipment, inventory, computers, and warehouse facilities. Protects against fire, theft, vandalism, and natural disasters that could destroy valuable inventory and disrupt fulfillment operations.

Business Interruption Insurance

Replaces lost income and covers ongoing expenses when covered events prevent online operations. Essential protection for website outages, cyber attacks, and property damage that disrupts your ability to process orders.

Commercial Crime Insurance

Protection against employee theft, credit card fraud, and cybercrime targeting your business funds. Essential for ecommerce operations handling high volumes of online payments and financial transactions.

Errors & Omissions Insurance

Professional liability coverage for mistakes in online services, website functionality errors, and failure to deliver promised digital services or products as advertised to customers.

International Liability Insurance

Specialized coverage for global ecommerce operations including international shipping liability, foreign product liability exposure, and cross-border transaction protection for worldwide sales.

Ecommerce Business Types We Cover

Online Retailers & Marketplaces
Comprehensive protection for businesses selling through their own websites, Amazon, eBay, Etsy, and other online platforms with specialized coverage for multi-channel retail operations.

Subscription & SaaS Businesses
Enhanced protection for subscription-based services including software-as-a-service operations with specialized coverage for recurring billing issues and service interruption claims.

Digital Product & Software Sales
specialized coverage for companies selling digital downloads, software products, and online courses including intellectual property protection and digital delivery liability coverage.

Dropshipping Operations
Tailored protection for dropshipping businesses including supplier liability coordination, international shipping coverage, and specialized inventory management protection for third-party fulfillment.

Print-on-Demand Services
Coverage for custom product businesses including personalized merchandise operations with specialized protection for copyright issues and custom manufacturing liability.

Wholesale & B2B Ecommerce
Comprehensive protection for business-to-business online sales including trade credit insurance, commercial customer liability, and enhanced order fulfillment coverage.

Ecommerce Risk Factors

Cybersecurity & Data Breaches
Website hacks, payment system breaches, customer data theft, and ransomware attacks that can compromise sensitive customer information and disrupt online operations significantly.

Product Liability Exposures
Defective product claims, safety hazard allegations, and consumer injury lawsuits arising from products sold online, including items sourced from international suppliers.

Website & Technology Risks
Website outages, payment processing failures, hosting provider issues, and technology malfunctions that can prevent customers from completing purchases and damage business reputation.

Shipping & Fulfillment Issues
Package theft, shipping damage, delivery delays, and warehouse accidents that can result in customer disputes, inventory losses, and fulfillment operation disruptions.

Payment Processing Risks
Credit card fraud, chargeback disputes, payment processor violations, and financial transaction errors that can result in significant monetary losses and processing restrictions.

International Commerce Exposures
Regulatory compliance issues, international shipping liability, currency exchange risks, and cross-border legal disputes affecting global ecommerce operations and customer relationships.

Get Your Ecommerce Insurance Quote

Protect your online business with comprehensive coverage designed for your industry. Our experienced agents understand ecommerce risks and will work with you to build a protection plan that covers your specific operations, digital assets, and online business exposures.

Key Benefits of Working with Harper:

• Specialized ecommerce expertise
• Cybersecurity risk management guidance
• Global commerce coverage solutions
• Expert digital business claims handling
• Coverage that scales with online growth

Ready to protect your ecommerce business? Contact Harper Insurance today for a comprehensive quote tailored to your online retail operations and digital commerce requirements.

‍