Which insurance do online sellers actually need?

Product liability

third-party bodily injury caused by a product you sold

Every seller of physical products, whether you manufacture, private-label, import, or resell them.

Core

General liability

third-party bodily injury from your operations

Almost every business. For online sellers it is typically bundled with product liability.

Included

Professional liability

claims of negligent professional advice or service

Consultants, agencies, freelancers, and anyone selling professional advice or services, not physical-product sellers.

Educational

Cyber liability

data-breach response and customer notification

Any store that stores customer data, holds email lists, or processes online payments.

Educational

Commercial property

your inventory and stock

Sellers holding meaningful inventory, equipment, or a physical space, including home-studio makers.

Educational

BOP

general liability

Small sellers who want liability and property cover bundled, and who confirm product liability is included.

Educational

Commercial umbrella

liability above your underlying policy limits

Sellers facing large-claim exposure or contracts requiring limits above their base policy.

Educational

Workers' comp

employee medical costs for work injuries

Any business with employees; most US states require it by law once you hire.

Educational