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COMPREHENSIVE COVERAGE FOR ONLINE RETAILERS, AMAZON SELLERS AND ETSY SHOP OWNERS
Running an e-commerce business comes with unique risks that can impact your operations, from data breaches to damaged inventory. At American Eagle Insurance Agency, we provide tailored insurance solutions designed to protect your online business and give it the best chance at success.
WHO NEEDS E-COMMERCE BUSINESS INSURANCE?
Our specialized insurance is ideal for:
- Online retailers and virtual marketplaces
- Amazon Pro Merchants and sellers
- Etsy shop owners and home-based entrepreneurs
- Brick-and-mortar stores with an online presence
Whether you’re shipping products directly to customers or managing inventory across multiple locations, our coverage ensures your business is protected against unexpected risks.
ESSENTIAL INSURANCE COVERAGE FOR E-COMMERCE BUSINESSES
General Liability Insurance
Protects your business from claims involving bodily injury, property damage, and personal injury, such as:
- A customer trips and falls while picking up an online order at your warehouse.
- A product you sell causes property damage or personal injury to a customer.
Commercial Property Insurance
Covers your physical assets, including owned or rented buildings, inventory, and equipment such as computers and storage facilities. It safeguards your business from risks like fire, theft, and natural disasters.
Business Income Insurance
Provides financial support by replacing lost income if your business is forced to close due to covered property damage.
Cyber Liability Insurance
Protects against data breaches and cyberattacks that compromise customer information, such as names, payment details, and contact information. This coverage helps with:
- Notifying affected customers
- Providing credit monitoring services
- Recovering lost data
Commercial Auto Insurance
Covers business-owned vehicles used for deliveries or business operations, protecting against liability claims and repair costs following accidents.
Workers’ Compensation Insurance
Provides benefits to employees who are injured or become ill due to work-related activities. This includes:
- Coverage for medical expenses
- Compensation for lost wages during recovery
Product Liability Insurance
Included as part of general liability insurance, this coverage protects against claims that your products caused bodily injury or property damage.
Commercial Umbrella Insurance
Extends the limits of your primary liability policies, ensuring additional protection in case of costly claims that exceed your general liability coverage.
Amazon requires Pro Merchants and sellers with over $10,000 in monthly sales to carry insurance. This ensures your business is prepared to handle claims or lawsuits, such as:
- A malfunctioning product that causes property damage or injury.
- A liability claim from a customer due to a defective product.
Amazon’s insurance requirements include:
- General liability insurance
- Commercial umbrella insurance
Each policy must include a minimum of $1 million per occurrence and aggregate limits, and Amazon must be named as an additional insured party.
While Etsy doesn’t require sellers to carry insurance, having coverage is critical to protect your business from risks like:
- Claims of allergic reactions or injuries caused by your products.
- Damage to inventory or tools used in your operations.
Etsy sellers can benefit from:
- General liability insurance for claims of bodily injury or property damage.
- Professional liability insurance for errors or omissions in your products or services.
- Commercial property insurance for tools, equipment, and inventory.
Wayfair sellers often handle high-value products like furniture, home goods, and décor, making their business susceptible to unique risks:
- Product Liability Claims: If a defective product, such as a piece of furniture, causes injury or property damage, sellers can face costly lawsuits. Product liability insurance provides essential coverage for these claims.
- Shipping Damage: Large items like furniture are prone to damage during transit. Insurance helps cover the cost of replacements or refunds, protecting your bottom line.
- Property Damage or Loss: Warehouses and storage facilities can face risks like fire, theft, or natural disasters. Commercial property insurance safeguards your inventory and business property.
eBay sellers operate in a fast-paced, competitive marketplace where unexpected risks can arise:
- Liability for Sold Products: If an item sold through eBay malfunctions or causes injury, the seller can be held accountable. General liability or product liability insurance covers legal and settlement costs.
- Inventory Loss or Damage: Sellers managing physical stock are at risk of theft, fire, or other disasters impacting their inventory. Property insurance ensures protection for these valuable assets.
- Cyber Risks: As an online seller, eBay vendors collect customer information that could be targeted in a cyberattack. Cyber liability insurance helps mitigate losses from data breaches and hacking incidents.
- Shipping Interruptions: Delays or damages during shipment can disrupt your business. Transit insurance helps cover losses and maintain customer satisfaction.
REAL LIFE SCENARIOS WHERE INSURANCE HELPS
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Cybersecurity Breach
Hackers compromise your e-commerce platform, stealing customer payment information. Cyber liability insurance helps cover notification costs, legal fees, and credit monitoring for affected customers. -
Damaged Inventory
A truck carrying your products is involved in an accident, damaging your inventory. Business income insurance helps offset losses due to the interruption. -
Customer Lawsuit
A customer claims a product they purchased caused an injury. Product liability insurance covers legal costs and settlements. -
Employee Injury
An employee injures themselves while managing inventory. Workers’ compensation insurance covers their medical expenses and lost wages. -
Delivery Accident
A company-owned delivery vehicle is involved in an accident. Commercial auto insurance covers repair costs and liability claims.
WHY CHOOSE AMERICAN EAGLE INSURANCE?
Since 1967, American Eagle Insurance Agency has been a trusted partner for businesses across industries. We provide:
INDUSTRY-SPECIFIC EXPERTISE
We understand the unique risks faced by online retailers, from damaged inventory to customer injuries. Our team works with you to design customized policies tailored to your needs.
COMPREHENSIVE PROTECTION
With coverage options ranging from property and liability to specialized endorsements like perishable goods in transit, we help you protect every aspect of your business.
PROVEN RELIABILITY
With over five decades of experience, we’ve built a reputation for trust and dependability. Businesses rely on us to deliver protection and peace of mind.
GET STARTED TODAY
Protect your e-commerce business with insurance solutions from American Eagle Insurance Agency. Whether you’re an online retailer, Amazon seller, or Etsy entrepreneur, we have the coverage you need to safeguard your operations.
