How much does insurance cost for Shopify sellers?
Shopify does not require insurance, but product liability for a Shopify store typically starts around $26/month priced on real sales. Because there is no marketplace between you and the customer, all product liability sits with your brand, so cost tracks your product category and sales rather than a Shopify rule.
Pay-as-you-sell vs a traditional annual premium.
Assureful (pay-as-you-sell)
Traditional annual
How it is priced
From your real monthly sales data
From an annual revenue estimate entered once
When you pay
Monthly, moving with your sales
Annual premium, often paid upfront
Seasonal fit
Adjusts to spikes and slow months
Fixed, can over- or under-charge
Starting cost
From about $26/mo
Often $500-1,500+/yr
Certificate of Insurance
Marketplace-ready, usually same day
Varies, can take days
Typical range
From about $26/mo; DTC brands in higher-risk categories pay more.
What drives your price
- product category and ingredients
- monthly store sales
- wholesale or retail expansion
- claims history
Free quote
See your exact price, not a range.
Connect your store and get a price built on your real sales, plus a marketplace-ready Certificate of Insurance when a platform or buyer asks.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Cost FAQ.
How much does insurance cost for a Shopify store?+
Product liability commonly starts around $26/month, priced on your real sales. Shopify does not require it, but because there is no marketplace buffer, the coverage is important, and cost depends on what you sell and your volume.
More cost guides
Cost signals are typical ranges, not quotes. Get your real price at /apply. Reviewed 2026-07-01.