How much does insurance cost for small eCommerce businesses?
For a small eCommerce business, product and general liability commonly starts around $26/month priced on real sales, versus $500 to $1,500+ per year for a traditional annual policy. The pay-as-you-sell model suits small sellers whose volume, and exposure, changes month to month.
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; far below a typical annual product-liability premium for low volume.
What drives your price
- product category
- monthly sales volume
- number of channels sold on
- 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 eCommerce business insurance cost for a small seller?+
Product and general liability commonly starts around $26/month priced on real sales. A traditional annual policy often runs $500 to $1,500+ per year, which can overcharge a small or seasonal seller.
More cost guides
Cost signals are typical ranges, not quotes. Get your real price at /apply. Reviewed 2026-07-01.