Practical guides for online sellers — what coverage costs, what it actually covers, what Amazon and Shopify require, and the real claims that have shaped the industry. Written for sellers, not for insurance companies.
Start here
The full buyer’s guide. Six coverage types, real prices, what Amazon and Shopify require.
Read the guide→AmazonAmazon-compliant $1M / $1M coverage. Quote in 2 minutes. COI uploaded to Seller Central.
Read the guide→ShopifyCoverage built for Shopify merchants. Wholesale-ready COIs in minutes.
Read the guide→StatesState-by-state pages for all 50 states + DC. Local rules, premiums, license info.
Read the guide→Showing 52 posts in Coverage Types. Clear filter • Read the eCommerce insurance buyer's guide guide
General liability and commercial general liability are the same policy, written on the ISO CG 00 01 form. Here's why sellers still get the distinction wrong.
Standard homeowner's policies exclude commercial activity the moment you list a product for sale. Here's the insurance every online seller actually needs in 2026.
Yes: if you sell physical products online, homeowner's policies exclude you by default. Here's what ecommerce business insurance covers and what it actually costs.
Most ecommerce sellers pay $26-$85 per month for $1M general liability. The factors that move the number, and how pay-as-you-sell pricing compares.
Key Takeaways A 30-day claims simulation using real data found public liability claims average $13,500 and can exceed six figures, while typical eCommerce
Key Takeaways Commercial auto premiums vary dramatically by location and risk factors, Idaho businesses pay about $1,476 annually (up to 45% below the nat
Key Takeaways Median general liability for U.S. online sellers is $850/year, but location alone shifts typical monthly rates from $64 in Maine to $85 in Ne
Key Takeaways Overlooking annual deductible resets on eCommerce insurance can force sellers to pay thousands out-of-pocket, product liability claims commonl
Key Takeaways Over 11.1 million U.S. emergency-room visits for consumer product injuries in 2021 show online sellers (Amazon, Shopify, independent sites) f
Key Takeaways About 82% of small-business general liability policies include some product liability, but exclusions and marketplace rules leave about 19% n
Key Takeaways Assureful’s pay-as-you-sell eCommerce insurance bills monthly from actual sales (plans start at $26), provides A-rated coverage with product
Key Takeaways Skipping proper eCommerce business insurance can destroy your business overnight: one in three small businesses faces an event that triggers
Key Takeaways Hired and non-owned auto (HNOA) insurance fills a critical gap because personal auto and standard general liability policies usually exclude
Ten premium-reduction tactics that actually work without stripping defense costs, exclusions, or limits. Written with input from real underwriters.
Key Takeaways Assureful offers pay-as-you-sell, monthly-billed ecommerce insurance with instant quotes/certificates, A‑rated underwriters, coverage for imp
Workers' comp is mandatory in 49 states once you hire. Here's when an ecommerce business actually needs it, what it costs, and how to stay compliant.
Product liability won't cover a data breach. Cyber liability does. Here's what it pays, what it costs, and when online sellers actually need it.
Public liability covers foot-traffic accidents. Product liability covers harm from goods sold. Here's how to tell which your online store actually needs.
Key Takeaways One product liability lawsuit can cost over $150,000 and online sellers lose hundreds of millions annually; Amazon requires $1 million produc
Key Takeaways Most eCommerce sellers pay $350, $1,200 per year (about $23, $73/month) for Commercial General Liability insurance, with a national median near
Digital products still face cyber, E&O, and content-claim exposure. Here's which policies actually protect SaaS, course, and digital-download sellers.
Key Takeaways Most ecommerce businesses pay $350, $2,500/year for commercial general liability insurance (about $29, $208/month), with new stores usually at
Key Takeaways Commercial general liability (CGL) insurance protects ecommerce stores from third-party bodily injury, property damage, and advertising/copyr
Key Takeaways Public liability insurance covers third-party bodily injury or property damage caused by your business (e.g., slips, falls, accidental damage
Key Takeaways Most eCommerce sellers pay $24, $73 per month for general liability insurance, with LLC policies typically averaging $42, $72/month and persona
Key Takeaways Small business employee insurance is a coordinated set of policies, chiefly workers' compensation (legally required in almost every state once
Key Takeaways For most eCommerce businesses the article recommends Assureful as the top pick because its pay-as-you-sell model yields average premiums 42%
Key Takeaways Amazon requires sellers with $10,000+ in monthly sales to carry at least $1 million in general liability coverage, and failing to comply or u
```html What Actually Happens When You Skip Commercial Auto Coverage A seller ships 500 units via personal vehicle to a local retailer. On the way, they hi
Key Takeaways # Summary eCommerce insurance quotes vary dramatically ($26, $99/month) not just in price but in coverage scope, claims handling, and underwri
Key Takeaways Online retailers face frequent, costly product and general liability claims, from allergic reactions to dyes to copyright suits over ads, w
Key Takeaways # Summary Standard Commercial General Liability (CGL) policies, designed for brick-and-mortar businesses, leave online sellers dangerously ex
Compare ecommerce insurance policies, costs, and coverage types. Learn which policies protect online sellers on Amazon, Shopify, and other marketplaces.
The Liebeck v McDonald's coffee case isn't the punchline it became. Here's what actually happened, and what ecommerce sellers should learn from it.
Phillip Morris, Ford Pinto, Hoverboard fires, McDonald's coffee. Landmark product liability cases that shaped the rules every ecommerce seller follows.
Product liability risk depends on category, sales volume, and manufacturing chain. Here's how insurers price it, and how sellers can lower their exposure.
Walmart Marketplace requires $1M product liability with Walmart named as Additional Insured. Here's what Walmart seller insurance actually covers in 2026.
Etsy does not require insurance, but wholesale buyers and most hand-made product categories do. Here's the Etsy coverage essentials for sellers in 2026.
Shopify does not require insurance, but you are still liable for what you sell. The 2026 guide to coverage types, dropshipper exposure, and pay-as-you-sell pricing.
Product liability comes in three flavors: design defect, manufacturing defect, and failure to warn. Here's how each applies to ecommerce sellers.
Most ecommerce sellers carry $1M/$1M product liability limits. Here's how to decide whether $1M, $2M, or $5M matches your product category and risk profile.
Amazon's COI requires $1M/$1M limits, Amazon as Additional Insured, and an A-rated carrier. The 6-step upload process plus the rejection reasons sellers hit.
Explore the product liability case of the NBA star who sat on the sidelines after a burst balancing ball left him with multiple injuries.
Bullock v. Philip Morris produced the largest punitive damages ever awarded to a single plaintiff. The full timeline + what eCommerce sellers should learn.
Introduction In early April 2026, a significant product recall was announced affecting approximately 740,000 sauté pans sold through major retailers including C
Introduction The cannabis industry continues to evolve rapidly, and with its growth comes a heightened focus on product safety and liability. A recent feature i
Introduction A large-scale recall involving over 700,000 sauté pan sets sold at major retailers including Costco, Walmart, and Amazon has brought product liabil
Introduction A recent string of recalls involving baby and children’s products sold on Amazon has brought renewed attention to the product liability risks facin
Introduction Recent findings by consumer advocacy group Which? have revealed that dozens of ladders deemed ‘dangerous’ are being offered for sale on major onlin
Introduction The recent Inspector General audit into the U.S. Navy’s procurement of defective parts and subsequent contractor restitution, as reported by USNI N
Introduction A recent legislative development in Florida has significant implications for manufacturers, importers, and product businesses concerned with liabil
Introduction A recent legal action filed against OpenAI highlights emerging liability risks associated with artificial intelligence products. The lawsuit, cente
Connect your Amazon Seller Central or Shopify store. Get an A-rated policy in two minutes.
Get a Free Quote →