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If you sell goods online, you need online business insurance to keep you and your products protected. Even if you run your business from home, it doesn’t mean you’re covered by an existing home insurance policy. Make sure you've got everything covered in case the worst was to happen.
Ecommerce insurance covers what you need. Make sure you're protected in case your stock is damaged, or if one of your customers takes you to court. Pick the cover that best suits your business and sleep easy knowing you’re insured.
Public and product liability insurance
In case the product you sell accidentally injures someone or damages something.
Employers’ liability insurance
In case your employee gets sick or injured while working for you.
Business interruption insurance
In case something is stolen or damaged and you lose income.
Stock insurance
In case something bad happens to your products.
Legal expenses insurance
In case a claim is made against you or you're subject to an HMRC investigation.
In case the product you sell accidentally injures someone or damages something.
What’s typically covered by public and product liability insurance?
Legal expenses relating to claims against your business for:
For example:
Read more about public liability insurance and product liability insurance
In case your employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Legal expenses relating to claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case something is stolen or damaged and you lose income.
What’s typically covered by business interruption insurance?
For example:
Read more about business interruption insurance
In case something bad happens to your products.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case a claim is made against you or you're subject to an HMRC investigation.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£20.21 /month
£179.63 /year
Online retailer selling clothes and accessories
Public and product liability
£2,000,000
Employers’ liability
Not included
Stock
£10,000
£42.04 /month
£373.65 /year
Online retailer selling clothes and accessories, based in a warehouse
Public and product liability
£2,000,000
Employers’ liability
£10,000,000
Stock
More than £25,000
How we work out example quotes These examples are real quotes from our online system (created 27 August 2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Stock | £100 | £500 |
You'll get a complete breakdown of the excesses for each quote when you compare with us. The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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We handle claims, so you can get on with business
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Is public liability enough for third party property damage?
Which type of workers do I need insurance for?
Does online retailer insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
You may need more than public liability to cover certain types of damage
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about employers' liability insurance and stock cover.
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider photography insurance or private tutor insurance?
If you provide these services alongside building work, make sure you’re covered
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team for free
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having online retailer insurance through Simply Business has saved online retailers thousands of pounds when the unexpected happened.
Vanessa (not her real name) was storing her products in her basement when an underground water pipe burst. The products were soaking wet so she couldn't sell them. Luckily, Vanessa’s insurance covered the cost of the damaged stock.
£3,417.64
Covering the cost of escape of water
£100
The excess amount stated in Vanessa’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about online retailer insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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