0333 320 6009
Search
0333 320 6009
Person working on a computer


E-Commerce Insurance

Arranging your cover can be simple and hassle free, even if your insurance needs aren’t

We compare quotes from leading insurers

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 them and 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-commerce insurance simple and hassle-free. Call our advisors today to get advice for all your online business insurance needs. If you’d prefer us to call you simply request a call back.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

E-Commerce insurance cover in detail

What is e-commerce insurance?

E-commerce insurance is a simple way for online businesses to buy various types of insurance covers, all in one package to protect your e-commerce business when something unfortunate happens. Having insurance to protect you financially against accidents, mistakes, theft, damage and legal fees is essential to provide you with peace of mind when running your business online.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Business owner talking to customer

Public liability insurance

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.
Staff in a meeting

Employers' liability cover

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.
Buildings on a high street

Property covers

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, it's covered.
Clothes on a rail

Product liability cover

Product 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, product liability can protect your livelihood against potentially large claims that could be made against you.
Hacker using a laptop

Cyber and data insurance

As you trade online, you are likely storing personal data about your customers. If your e-commerce website was attacked by cyber criminals, how quickly could you get back up and running? Cyber insurance is designed to support your business if your systems are accessed online by malicious hackers and they cause damage. Whereas the data element covers the physical loss of the data should it be corrupted or lost whether electronically or not.
Shop door displaying an open sign

Business interruption

Business Interruption 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 other premises while you get back up and running.

Solicitors in a meeting

Commercial legal protection

Commercial legal protection can be included within your e-commerce insurance, to protect against VAT disputes, employment disputes and compensation awards as well as offer cover for jury service allowance for staff and business partners, should you be summoned.

E-commerce insurance FAQs

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.

At Premierline, we offer flexible e-commerce insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

  • Public liability – for injured shop visitors or damage to their property.
  • Employers' liability – to protect your shop employees.
  • Buildings cover – to cover for loss or damage to your shop premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.
More information
The cost of your e-commerce insurance will depend on your e-commerce activities, what you sell, the location and the amount and type of covers you require to protect your online shop. Like any other insurance, generally the more cover you require the higher the premium. The value you gain from having the right cover in place is a huge benefit to your business. An e-commerce insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.
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.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

Premierline Insurance Experts

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“We’ve used Premierline for several years now for our business insurance. When we needed to add in some extra, slightly unusual, cover they arranged it for much less than others had quoted. Truly a great company for business insurance.”
E-Commerce business owner
Customer since December 2021
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to an e-commerce insurance expert

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.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Related shopping & retail articles

You might also be interested in these other news and insight features:

Mobile shopping experience
Mobile shopping experience

Insight and news

Key messaging for online retailers to consider

If you sell your products online through a website or e-commerce platform, read on to find out more about the key messages which could help boost your sales.

Read more
Customers outside indie cafe
Customers outside indie cafe

News and insight

How indie shop owners are boosting the housing market

Indie shop owners and small businesses may be boosting local housing markets by attracting property investment from millennials. Find out more.

Read more
Clothing rail
Clothing rail

News and insight

Cyber Insurance for the Clothing Industry

Cyber insurance for the clothing industry. Do fashion businesses need to ensure they have adequate cyber cover in place? Read on to find out more.

Read more
Boxes stacked up
Boxes stacked up

HR and workplace

Safety Tips for Stacking and Storing Stock

Whilst stacking shelves creates more room for products, it can also create a hazard for customers or staff, who may be at risk of injury from falling objects.

Read more
Stress at work
Stress at work

HR and workplace

How to alleviate your workplace stress

Tips on how to help you manage both your own levels of stress or the stress levels of your team while working in a busy shop or retail environment.

Read more
Customer shopping in a convenience store
Customer shopping in a convenience store

Retail and shopping

UK Convenience Store Statistics 2020

Did you know there are 46,995 convenience stores in the UK? In this infographic we have summarised many of the key stats from the ACS 2020 Local Shop report which shows how important the UK’s local shops are to many communities and millions of customers.

Read more
Retail calendar
Retail calendar

Retail and Shopping

2021 Retail Marketing Calendar

For 2021 we have identified some of the key national days and other major events that can help you promote or grow your business whether you are trading on the high street or online.

Read more
shopkeeper
shopkeeper

reatil and shopping

Common risk exposures for retail businesses

It takes hard work, risk-taking and huge investments to make your retail business or shop work, and the last thing you want is for your hard work to be undone by an insurance claim against your business.

Read more
Empty supermarket
Empty supermarket

Insight and news

The science behind shop layouts

Shopper behaviour is something that has become increasingly important to understand when it comes to the design of any shop.

Read more
Shopping bags
Shopping bags

Retail and Shopping

15 stats about convenience retail in 2019

The ACS has released their 2019 Local Shop Report, which gives an in-depth breakdown of the convenience sector of the retail industry. Here are 15 interesting facts about UK convenience stores.

Read more
High street
High street

Retail and shopping

How to avoid confrontation in your store

Violence against staff is the top risk that retailers were concerned about, so how do you deal with in-store confrontation or violence as a retailer? Take a look at this infographic.

Read more
Busy shopping street
Busy shopping street

Industry guide

How can a mystery shopper improve your business?

Mystery shopping could be used to collect anonymous feedback from a customer’s perspective. We take a look at how you can use mystery shoppers to help improve your business

Read more
Busy high street
Busy high street

Growth and strategy

Saving the UK high street

Retail in the UK has faced one of the toughest years to date so what can be done to save the UK high street?

Read more
Shopper with shopping basket
Shopper with shopping basket

Industry guide

Cash flow forecast template for retailers

To help you manage your cash flow more effectively, Premierline have developed a cash flow forecast template specifically for SME retailers.

Read more
Retail space
Retail space

Insight and News

How to diversify your retail space

Using the spare space available in your shop can bring in a new source of income for your retail premises. Take a look at these tips.

Read more