Business insurance
Insurance For Online Retailers
Compare business insurance built around the real risks online retailers face — and line up the right cover before your renewal.
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How it works
Matched to the right broker in minutes
Tell us what you need
A few details about your business and the cover you need. Takes under a minute.
We match you
We line you up with the right vetted broker for online retailers and your risks — no guesswork.
Get covered
Your broker takes it from there — quotes and cover, sorted.
What you get
Built around your business
- Public liability and contents cover for your premises, fit-out, and stock.
- Protection for customers on-site, spoilage, and the everyday risks of trading.
- A renewal review before rollover, so you're not auto-renewed on a stale premium.
How it works
Simple next steps
- 1Tell us your premises, fit-out, stock, and renewal month.
- 2We match you to a broker who insures retail and hospitality.
- 3You review the cover and only switch if it fits better.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business insurance
Insurance for Online Retailers
An online retailer's biggest exposures are products, data and stock. Product liability is important because you are responsible for what you sell, even imported goods, if a product causes harm. Cyber insurance is increasingly essential — you hold customer and payment data and run a store that is a target for breaches and fraud. Stock and contents cover protects your inventory in storage from fire, theft and damage.
Public liability and, if you employ staff, workers' compensation complete a typical program, along with business interruption for lost online sales. Premiums for an online retailer often sit around the ~$1,200 mark, and with many policies renewing around 30 June, it is worth reviewing product-liability and cyber limits before the new financial year so a faulty product or a data breach does not wipe out your margin.
Common questions
Online Retailers — insurance questions
What insurance does an online retailer need?
Product liability covers harm caused by goods you sell, cyber insurance protects against data breaches and fraud, and stock cover protects inventory in storage. Public liability and workers' compensation apply if you have premises or staff, and business interruption covers lost online sales.
Do I need product liability if I only resell or dropship?
Often yes — selling goods, including imported or dropshipped items, can make you liable if a product causes injury or damage. Reviewing product-liability cover before your 30 June renewal helps ensure you are protected against a claim you did not expect.
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Get matched to the right broker
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.