Industry checklist

Insurance checklist for online stores and retail shops

Retailers and ecommerce sellers should think about product liability, property, general liability, and cyber exposure. Use this page as a quote preparation checklist, not as legal or insurance advice.

General Liability

Helps address common third-party bodily injury, property damage, and advertising injury claims.

Product Liability

Helps address claims tied to products that allegedly cause injury, illness, damage, or loss.

Commercial Property

Helps protect business property such as inventory, furniture, computers, fixtures, and build-outs.

Cyber Liability

Helps with costs tied to data breaches, cyber incidents, notification, recovery, and liability.

Business Owner's Policy

Bundles general liability and commercial property coverage for many small businesses.

Questions to ask before buying coverage

  • Which policies are required by client, landlord, venue, lender, or platform contracts?
  • Are employees, contractors, vehicles, job sites, or customer data part of the risk?
  • What limits, deductibles, exclusions, and certificates will a client expect?
  • Does the policy match your state, revenue, payroll, services, and claims history?

Search topics this page targets

  • ecommerce business insurance
  • online store product liability insurance
  • retail store insurance checklist
  • business insurance for ecommerce
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