Product liability insurance calculator
Estimate your premium before you waste time on annual guesswork.
See what product liability insurance may cost for your Amazon or Shopify business, then get the exact quote from connected store data instead of a static annual projection.
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No email to estimate
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Amazon and Shopify ready
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Exact quote uses store data
Free estimate
See your monthly premium range
Estimated monthly premium
Enter sales to estimate
You do not need to enter an email to use the calculator.
Built for Amazon and Shopify sellers with real sales activity. No obligation.
42%
average savings signal
$26
starting monthly
33K+
product categories assessed
Why this matters
The wrong revenue estimate can cost you twice.
Traditional product liability policies often start with a projected annual revenue number. If you project too low and your sales spike, the policy may not reflect the business you are actually running. That can create painful questions after a claim.
If you project too high, you can overpay for sales you never make. Assureful is built around a better option for ecommerce: pay-as-you-sell pricing informed by connected Amazon and Shopify store data.
Premium drivers
What actually moves the number.
Product category
A skincare serum, supplement, toy, battery, and t-shirt do not create the same claim profile. Product type is usually the first meaningful pricing signal.
Real monthly sales
Annual forecasts are blunt. A store that sells $80k in November and $18k in February should not be priced like the same risk every month.
Where the business is based
State rules, taxes, claim environment, and surplus lines treatment can change the final number even when the product and sales volume are similar.
Limits and proof-of-insurance needs
Amazon, retail buyers, and wholesale partners often ask for specific limits, additional insured wording, and certificates of insurance.
Pricing model
Annual forecast vs pay-as-you-sell.
The calculator gives you a planning estimate. The real conversion moment is the exact quote, where connected store data can replace projection-heavy underwriting.
Pricing basis
If your sales change quickly, your premium should not be trapped in last year's guess.
Traditional route
Annual revenue projection entered once.
Assureful route
Connected store data and rolling sales activity.
When sales exceed projections
Underestimating revenue can create uncomfortable questions after a claim.
Traditional route
You may need an endorsement, audit adjustment, or could discover the policy no longer matches the business.
Assureful route
Premium can follow actual sales rather than relying on a stale estimate.
When sales miss projections
Overestimating revenue leaves money on the table, especially for seasonal sellers.
Traditional route
You may pay for sales you never actually make.
Assureful route
Lower sales can mean lower monthly premium.
Application process
The fastest quote is the one based on data you already have.
Traditional route
Manual forms, projected revenue, product summaries, and follow-up questions.
Assureful route
Connect your Amazon or Shopify app, answer coverage questions, and get routed to the right quote path.
Strong fit
Assureful is for serious sellers.
This page is designed for sellers who are already close to buying: you need a quote, you need proof of insurance, or you need to know whether your current annual-premium path makes sense.
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You sell on Amazon, Shopify, or both.
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You already have more than $10k per month in sales.
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Amazon, a wholesaler, or a retail buyer asked for a Certificate of Insurance.
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Your monthly revenue changes by season, launch cycle, or channel.
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You sell products where ingredients, warnings, components, or private-label manufacturing matter.
What happens next
From estimate to exact quote.
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Use the calculator
Get a directional premium estimate from category, sales, location, and limit inputs.
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Connect your store
Connect our app to your Shopify and Amazon store so the quote can reflect real sales data.
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Get the right quote path
Answer current coverage questions. If underwriting review is needed, you get clear next steps instead of a dead-end loader.
FAQ
Insurance calculator questions.
Is this calculator a binding product liability insurance quote?
No. It is an estimate for planning. The exact quote is confirmed after you connect your store and Assureful reviews your actual sales, product category, location, coverage limits, and eligibility.
Why should I use monthly sales instead of annual projected revenue?
Monthly sales are closer to how ecommerce businesses actually move. If you exceed a low annual projection, your policy may not reflect the business you are actually running. If you over-project, you may pay for revenue you never earn.
Does this work for Amazon seller insurance requirements?
Yes. The calculator is built around ecommerce product liability insurance, including Amazon sellers who need proof of insurance and Certificate of Insurance support. Amazon commonly requires $1M per occurrence and $1M aggregate once sellers cross the applicable monthly sales threshold.
Does this work for Shopify brands?
Yes. Shopify brands can use the calculator to estimate product liability coverage before connecting store data for a more accurate quote. This is especially useful for DTC brands moving into wholesale, Amazon, or retail partnerships.
Why might Assureful be cheaper than traditional insurers?
Traditional carriers often price from broad categories and annual forecasts. Assureful can use connected ecommerce data, rolling sales activity, and product-level signals, which can reduce the padding that comes from guesswork.
What happens after I click get the exact quote?
You can connect your Amazon, Shopify, or supported store data and answer current coverage questions. If the account needs underwriting review, you will receive next steps rather than being left on an endless loading screen.
Do I need to enter my email to use the calculator?
No. You can use the calculator without entering an email. You only share contact details when you decide to continue toward an exact quote.
Who is Assureful best for?
Assureful is best for serious ecommerce sellers with real sales activity, especially Amazon and Shopify stores that need product liability coverage, COI support, and premium pricing that can respond to actual sales.
Ready for the real number?
Connect your store and let the quote follow your sales.
The calculator is a starting point. The exact quote comes from the business you are actually running: your products, your channels, and your current store data.
Get the exact quote