Sell Everywhere. Worry Nowhere.
Protecting digital operations, inventory, and customer relationships
E-commerce operations involve selling products online, managing inventory, fulfilling orders, and operating digital storefronts — often without a traditional brick-and-mortar presence. From product liability and cyber breaches to shipping disputes and warehouse losses, e-commerce risk is digital, logistical, and product-driven. Whether operating a direct-to-consumer brand, a multi-channel marketplace seller, or a dropshipping operation, exposures can arise from the products sold, the data collected, the platforms used, or the fulfillment process.
Properly structured insurance is essential to protect product liability, customer data, inventory value, and the digital infrastructure that drives revenue.
Key Risks in Operations
Product liability from items sold online causing customer harm
Cyber breaches and theft of customer payment or personal data
Inventory loss from warehouse damage, theft, or natural disaster
Shipping disputes and cargo loss during fulfillment
Intellectual property and trademark infringement claims
Business interruption from platform outages or fulfillment disruptions
Returns fraud, chargeback losses, and commercial crime exposure
Losses can arise even when the business is professionally managed.
Core Coverages
Product Liability — Covers claims alleging bodily injury or property damage caused by products sold through the e-commerce platform.
Cyber Liability — Covers data breaches, ransomware, payment system compromises, and loss of customer personal or financial data.
Commercial Property / Inland Marine — Protects owned inventory — whether stored at a home, warehouse, or third-party fulfillment center — from covered physical losses.
General Liability — Protects against bodily injury and property damage claims arising from business operations, advertising, and product distribution.
Commercial Crime — Covers employee theft, wire fraud, social engineering attacks, and fraudulent transactions targeting the business.
Business Interruption — Covers lost revenue and operating expenses when a covered event disrupts the business’s ability to fulfill orders or operate.
Umbrella / Excess Liability — Provides additional limits for severe product liability or multi-customer loss scenarios.
What’s Commonly Overlooked
Insurance programs are often weakened by:
Missing product liability for items sourced internationally or private-labeled
Inadequate cyber coverage for e-commerce platforms handling customer payment data
No coverage for inventory stored at third-party warehouses or fulfillment centers
Gaps in crime coverage for wire fraud and social engineering attacks
Missing business interruption coverage for platform-dependent revenue streams
Failure to account for marketplace platform insurance requirements (Amazon, Shopify, etc.)
These issues typically surface at claim time — not before.
A customer is injured by a product purchased through the online store
A data breach exposes thousands of customer credit card records
A warehouse fire destroys a significant portion of stored inventory
A wire fraud scheme results in a large fraudulent transfer of business funds
A trademark infringement claim is filed over a product name or brand element
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Types of products sold and manufacturing or sourcing origin
Annual revenue and order volume
Inventory storage model (owned warehouse, 3PL, dropship)
Customer data collection and payment processing infrastructure
Marketplace platforms used and their insurance requirements
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure e-commerce insurance programs around the digital, product-driven, and data-intensive nature of online retail. We coordinate product liability, cyber, property, crime, and business interruption coverage to protect your brand, your inventory, and your customers — wherever they shop.
Digital commerce. Real-world protection.
Not sure your coverage is complete? Run the E-Commerce Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Frequently Asked Questions
How do I get e-commerce business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate e-commerce business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are e-commerce business insurance premiums priced?
There is no flat rate. The cost of e-commerce business insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Is e-commerce business insurance mandatory?
It depends on your situation. Some coverage is required by law; more often, e-commerce business insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.