E-commerce seller insurance
Product liability is the e-commerce exposure — what you sell (apparel vs. supplements) moves your band more than how much, and marketplaces may require seller coverage at volume thresholds.
The typical coverage stack
What a e-commerce seller operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.
General liability
Worth consideringFoundational third-party coverage for bodily-injury and property-damage claims.
$360–$720/yr typical
Workers' comp
Commonly required by clientsWhether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.
Per $100 of payroll — run the checker with your state
Cyber liability
Worth consideringYou take payments or hold customer data — cyber covers breach, notification, and recovery costs GL and BOP exclude.
Varies — compare quotes
Compare quotes
We only link where a partner exists, and we never reorder these for a commission.
Simply Business
A marketplace that shops multiple carriers in one flow — the fastest way to line up quotes side by side, and strong for same-day COIs.
Simply Business — trades
Trade-focused quote flow for contractors, cleaners, and other hands-on businesses.
Hiscox
A direct writer (not a marketplace) with a strong appetite for consultants and service firms; professional liability is its bread and butter.