E-Commerce Business Insurance Coverage Checklist
The coverages an e-commerce business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for online sellers. Priorities reflect typical exposure; confirm against importing, private label, and sales channels.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers injuries from products sold — marketplaces often require it at set limits. | Core | |
| Cyber Liability | Covers data breaches, account takeovers, and payment fraud. | Core | |
| Product Recall | Covers the cost of recalls, including marketplace-driven removals. | Prevalent | |
| Media / Advertising Liability | Covers false-advertising and IP claims over listings and content. | Prevalent | |
| Inventory / Stock Coverage (incl. | at Third-Party Warehouses) Covers goods in marketplace fulfillment centers and 3PLs. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is products liability for imported and private-label goods. A seller that imports or puts its brand on a product is treated as its manufacturer, and after CPSC held Amazon responsible for 400,000 hazardous third-party products, marketplaces are pushing that risk back to sellers. Sellers should confirm products coverage meets marketplace requirements, test to U.S. standards before selling, and keep a recall plan that can reach marketplace buyers.
Send us the checklist and we'll review your e-commerce business coverage line by line, then market it across multiple carriers that compete for your account.
Related: E-Commerce Business Insurance · E-Commerce Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an e-commerce business business need?
The core coverages for an e-commerce business business are Products Liability, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my e-commerce business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.