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Compare e-commerce insurance quotes

Any online business will know the risks facing online trading can reach as far and wide as the products you sell, so protecting your livelihood must be a top priority. Accidents can happen when you least expect and can leave you financially exposed or even personally liable to pay compensation. That’s why we arrange e-commerce insurance that’s tailored to your unique requirements by comparing covers from trusted insurers, so we find the policy that’s right for you.

We appreciate that one size does not always fit all, which is why we make recommendations based on your individual needs, to make arranging your e-trader insurance simple and hassle-free.

Call our advisors today to get a professional service and advice for all your online business insurance needs. If you’d prefer us to call you simply request a call back.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

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Do I need e-commerce insurance?

E-commerce insurance can be tailored to your individual needs to ensure your online business has protection against events that could lead to financial loss. Without the correct e-commerce insurance in place, you could be exposed to claims being made against you that could jeopardise the future of your business and your ability to trade. Liability claims in particular can be costly, so making sure you’re covered against all eventualities is key to your business continuity.

Liability insurance for e-commerce

Public liability insurance can protect your online business against accidental injury or damage to third parties or their property. If you have clients or suppliers visiting your premises, then this will typically protect you if they were to sustain an injury, and can cover legal costs and damages awarded as a result.

Products liability insurance provides cover if you sell or supply a defective product and someone injures themselves whilst using it, or damage is caused as a result of the defect. For example, if you are supplying your own branded cosmetics that someone suffers a reaction to, products liability can protect your livelihood against potentially large claims that could be made against you.

If you have staff helping you on a full or part time basis, then you will need to add employers' liability insurance into your online business insurance. This is a legal requirement, and typically all your liability covers can be combined to form part of your e-commerce insurance policy, making it easier for you to obtain the covers you need most.

Property protection insurance for e-commerce businesses

You may also wish to protect your stock, premises and business equipment against fire, theft, accidental damage, and many more eventualities. Depending on the nature of your business, you may wish to include these within your e-commerce insurance so that you can work safe in the knowledge that should something happen, its covered.

Business interruption insurance for e-commerce

Business interruption insurance is an aspect of cover that is crucial to business continuity, as this safeguards your income should you suffer damage at your premises meaning you are unable to trade. For example, if you had a fire or flood, you could be out of action for a few weeks or even months. Business interruption cover can be included within your e-commerce insurance to protect you against this eventuality. This means that should the worst happen, your income and fixed expenses would be covered. It can even help you trade temporarily from another premises while you get back up and running.

Hassle-free e-commerce insurance

We have many years’ experience arranging e-commerce insurance for a variety of online traders and work hard to get you the cover that’s right for your business. Speak to one of our advisors today or request a call back and we’ll get you a policy that meets your online retailing needs.

If you trade from a retail premises, then take a look at our range of retailer insurance packages.

E-commerce covers to consider:

  • Stock insurance
  • Public and products liability
  • Employers' liability
  • Business contents and computer equipment
  • Business interruption
  • Commercial legal expenses
  • Cyber insurance

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For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)