Looking for eCommerce Insurance?
Protect your online business from product liability, cyber threats, shipping errors, and business interruption. Harper provides insurance for online retailers, dropshippers, marketplace sellers, and private-label brands, with fast certificates for platforms, warehouses, and partners.
What is eCommerce Insurance?
eCommerce insurance protects online businesses against risks such as product defects, cyberattacks, shipping damage, and inventory loss. Coverage commonly includes product liability, cyber liability, general liability, and inventory or shipping protection. Marketplaces, payment processors, and fulfillment partners may require proof of insurance before allowing sales, processing payments, or storing inventory.
Product Liability
Covers claims arising when products you sell cause bodily injury or property damage to customers or third parties.
Cyber Protection
Protects against data breaches, payment fraud, hacking incidents, and exposure of customer information.
Shipping & Inventory Coverage
Covers inventory damage, shipping errors, loss in transit, and warehouse storage risks.
Certificates
Fast proof of insurance for marketplaces, fulfillment centers, payment processors, and business partners.
Who Needs eCommerce Insurance?
- Online retailers : Businesses requiring specialized insurance coverage
- Dropshipping businesses : Businesses requiring specialized insurance coverage
- Marketplace sellers : Businesses requiring specialized insurance coverage
- Private-label and DTC brands : Businesses requiring specialized insurance coverage
Why Harper?
eCommerce & Online Retail Expertise
Online sellers face exposure tied to product sourcing, fulfillment logistics, and digital security. Harper understands the risks unique to eCommerce businesses and offers coverage tailored to modern online retail models.
Fast Proof for Marketplaces & Partners
Marketplaces, fulfillment centers, and payment processors may require insurance documentation for onboarding or category approval. Harper delivers accurate certificates quickly to support growth and compliance.
Clear, Practical Guidance
We explain product liability, cyber coverage, and shipping protection in plain terms so you understand how insurance applies across your online operations.
Coverage Matched to Your Business Model
Whether you operate a dropshipping store, private-label brand, handmade goods business, or wholesale eCommerce operation, Harper helps align coverage with how you sell and fulfill orders.
Frequently Asked Questions
What insurance do eCommerce businesses need?
Most eCommerce businesses need product liability insurance for items sold, cyber liability to protect customer data, general liability for operations, and shipping or inventory coverage for goods in transit or storage.
Is eCommerce insurance required?
In some cases, yes. Certain marketplaces require product liability coverage for specific product categories, and payment processors may require cyber coverage for businesses that handle customer payment data.
How much does eCommerce insurance cost?
Small online sellers may pay $500–$1,500 annually, while high-volume retailers or higher-risk product sellers typically pay $2,000-$10,000 or more, depending on revenue and exposure.
Does insurance cover product defects?
Product liability coverage applies when products you sell cause injury or property damage, regardless of whether you manufacture them, subject to policy terms.
Does insurance cover data breaches or hacking?
Cyber liability coverage may apply to data breaches, payment fraud, customer notification costs, credit monitoring, and certain regulatory expenses.
Can I add marketplaces or partners as additional insureds?
Yes. Marketplace and fulfillment agreements may require being added as additional insureds. Harper assists with certificates and endorsements to meet platform requirements.