Summit Commercial Insurance Solutions
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Ecommerce Insurance

Insurance built for online business. From DTC brands to marketplace sellers — coverage that protects your digital storefront and physical products.

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The Challenges

Risks unique to ecommerce.

Product Liability

Selling products online does not eliminate liability for defects or injuries.

Cyber Risk

Customer data and payment processing create significant cyber exposure.

Supply Chain

Global sourcing and fulfillment create complex coverage needs.

Platform Requirements

Amazon, Shopify, and other platforms have specific insurance requirements.

Coverage

Coverage types for ecommerce companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

Why Summit

Why ecommerce companies choose Summit.

1

Understand digital business models

2

Coverage that meets platform requirements

3

Protection for global supply chains

4

Competitive rates for growing brands

Common Questions

Ecommerce insurance FAQs.

Do I need product liability if I dropship?+
Yes. As the seller of record, you can be held liable for product defects regardless of who manufactures or ships the product. Product liability is essential for dropshippers.
What cyber coverage do ecommerce businesses need?+
Ecommerce sites handling customer data and payments need coverage for data breaches, payment card fraud, and business interruption from cyber attacks.
Does my home insurance cover my ecommerce business?+
Home insurance typically excludes business activities. You need separate business coverage for liability, inventory, and equipment even if you work from home.
What insurance do Amazon and Shopify require?+
Amazon requires sellers with $10K+ monthly sales to carry $1M product liability. Shopify does not require insurance but strongly recommends it. Requirements vary by platform.

Built for growth. Backed by clarity.

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