Online Retailer (eCommerce) Insurance
Specialist cover for online retailers from £5 a month*
Fast, easy online quote in 90 seconds
24hr legal advice helpline and legal hub
No hidden fees or cancellation charges
Cover starting at £5 a month
Cover starting at £5 a month
Frequently asked questions
Do I need online shop insurance if I work from home?
If you run an online shop from home, you will need appropriate insurance. Even though you don’t work in a commercial premises, you will still face a number of financial risks. For example, you should strongly consider getting public and product liability cover, and if you have any employees, you are legally required to take out employers’ liability insurance. You might need other forms of financial protection too, such as cyber insurance and property damage insurance.
Do I need liability insurance to sell online?
As an online retailer, it is important to make sure you have appropriate public and product liability insurance in place. There is always a level of risk involved in selling products to customers, regardless of whether this is done online or face-to-face. No matter how careful you are, there is a chance that members of the public will suffer injury or property damage because of the products you sell, and without suitable cover in place, you could be left facing significant costs if a claim is made against you.
When should I get ecommerce insurance?
We advise you to get online retailer insurance before you start selling your products to customers. Making sure you have suitable financial protection in place from the outset will minimise the risks to your business.
How is Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can visit the Financial Services Register to find out more.
Access exclusive services for your online business - included as standard
In addition to comprehensive cover, insuring with Markel means you enjoy access to unique services for your online business at no additional cost (when the relevant section of cover is purchased).
24 hour legal advice helpline
When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.
Markel Law Hub access
In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.
Fee dispute service
As every self-employed professional knows, customers don't always pay on time and chasing unpaid fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.
Public relations crisis management service
In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.
Cyber response helpline
If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.