E-commerce Business

Save up to 30% on your business insurance

Insure your e-commerce success with a policy that truly delivers!

At Coverage Cowboy, we specialize in providing comprehensive insurance solutions for e-commerce businesses like yours. Our knowledgeable team understands the unique risks and challenges of operating an online store and can tailor a policy to fit your specific needs.

From product liability to cyber threats, we’ve got you covered with the right e-commerce insurance policy. Let Coverage Cowboy safeguard your online business from potential risks, allowing you to focus on growing your digital empire.
  • General Liability
  • Workers' Compensation
  • Commercial Property
  • Professional Liability

We’ll help you get the insurance coverage you need for your business.

See the different policies available for E-commerce Business businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for e-commerce businesses to protect themselves from unexpected events. For instance, if a customer slips and falls at your warehouse while picking up their order, this insurance can cover the medical expenses and potential legal fees. Having general liability insurance ensures that your e-commerce business can continue to thrive without worrying about unforeseen accidents or lawsuits.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for e-commerce businesses that rely on vehicles for delivering goods to customers. For instance, if your online store uses a fleet of vans to transport products, this insurance protects you from potential risks like accidents, theft, or property damage. In simpler terms, commercial auto insurance keeps your e-commerce business running smoothly by covering unexpected costs that can arise from vehicle-related incidents.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is crucial for e-commerce businesses to protect their employees in case of any accidents or injuries. For instance, if a warehouse worker gets hurt while packing orders, this insurance covers their medical expenses and lost wages. By having workers’ compensation, e-commerce businesses can create a safe and secure environment for their team, ensuring smooth operations and a happy workforce.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for e-commerce businesses, as it keeps your valuable assets, like warehouses and inventory, safe from unexpected events. For example, if a fire damages your warehouse and the products inside, this insurance helps cover the repair and replacement costs. This protection ensures your online business can bounce back quickly and continue to serve your customers without major disruptions.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about E-commerce Business business insurance

How does business insurance benefit E-commerce businesses?

Business insurance provides valuable protection for e-commerce businesses in several ways:

  • Liability Coverage: It safeguards against potential financial losses from lawsuits and claims related to your products, services, or business operations.
  • Property Coverage: It covers damage or theft of inventory, equipment, and other business assets, whether stored at your location or in transit.
  • Business Interruption: It compensates for lost revenue and expenses incurred during temporary business closures due to covered events like natural disasters or cyberattacks.
  • Data Breach Protection: It assists in the recovery process after a data breach, covering costs such as customer notifications, credit monitoring, and public relations.
  • Workers’ Compensation: It covers medical expenses and lost wages for employees who are injured or become ill while performing work duties.

In summary, business insurance offers essential protection for e-commerce businesses, ensuring their continued success and resilience in the face of unexpected challenges.

What do I need to get an insurance quote?

Getting an insurance quote for your e-commerce business is a breeze! To start, gather the following details about your business:

  • Business name and contact information
  • Type of products you sell and target market
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory value and storage location
  • Shipping methods and carriers used

With this information on hand, you’re ready to request a customized insurance quote for your e-commerce business. Our Coverage Cowboy team is here to help you find the right coverage at the best price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.