Assureful
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Product Liability Insurance Calculator

Enter your product category, monthly sales, and state to see an instant estimate. No email, no phone call. The same pricing engine we use for real policies.

On average, 42% less than comparable A-rated insurers.

Get an Instant Estimate

Indicative quote only. Actual premium confirmed during application

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Select a category and enter revenue to see your estimate

Indicative estimate only. Actual premium confirmed when you connect your store.

What actually drives your premium

Traditional insurers ask 30 questions and price on a forecast. We price on real data.

Product category risk

Electronics, supplements, and children's products carry higher risk than apparel or books. Our engine rates 33,000+ categories individually.

Actual sales volume

We price on what you actually sell, not what you forecast. Sales drop in Q1? Premium drops too.

Your state

State regulations and claim averages vary. A seller in California doesn't pay the same as one in Idaho.

Coverage limits

Standard is $1M per occurrence / $2M aggregate. Higher limits make sense for high-risk categories or larger stores.

Calculator FAQ

How does the product liability insurance calculator work?

The calculator uses Assureful's AI pricing engine to estimate your monthly premium based on your product category, state, projected revenue, and chosen coverage limits. It reflects the same logic we'd use to price a real policy, so the estimate is directionally accurate. Final pricing may vary slightly once we pull your actual store data.

What determines the price of product liability insurance?

Four main factors: (1) the risk profile of your product category (electronics and supplements cost more than books), (2) your monthly or annual sales volume, (3) the state you operate in, and (4) the coverage limits you pick (per-occurrence and aggregate). Our engine weights 400+ data points behind the scenes.

Why is my estimate different from a Hiscox or Next quote?

Traditional insurers price based on an annual revenue forecast you enter at bind and lock in. Assureful prices on real monthly sales data from your Amazon or Shopify store, so the number reflects your actual risk exposure, not a guess. On average, our premiums are 42% less than comparable A-rated insurers.

Is the calculator estimate binding?

No, it's an estimate. The exact price is confirmed once we connect to your store and underwrite your actual sales data. Coverage starts immediately after you complete the full application, which also takes about 2 minutes.

Do I need to enter my email to use the calculator?

No. The calculator runs instantly on this page. You only share your email when you're ready to bind a policy.

What coverage limits do I need for Amazon?

Amazon requires at least $1M per occurrence and $1M aggregate once your monthly sales exceed $10,000. Most sellers carry $1M/$2M as a standard configuration. Higher limits make sense for high-risk categories (cosmetics, children's products, electronics) or once you exceed $1M in annual revenue.

Ready for the real number?

Connect your Amazon or Shopify store for an exact monthly price, plus a Certificate of Insurance ready to upload.

No obligation. Cancel with 30 days' notice.