Etsy / Ecommerce Seller Insurance
Coverage built for online and marketplace sellers, where the product is the main exposure.
What this coverage is intended to address
- ✓Allegations that an item sold online caused bodily injury or property damage (product liability)
- ✓Liability that follows sales made through marketplaces and an online storefront
- ✓Inventory and supplies held for sale, when scheduled appropriately on a property form
- ✓Third-party claims arising from the goods you sell rather than from foot traffic
Coverage products commonly considered
Most etsy / ecommerce seller operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A buyer alleges that a handmade or resold item caused injury after purchase. Product liability is generally the coverage intended to respond to allegations of this nature, subject to the policy form and exclusions.
- A marketplace requires sellers above a sales threshold to carry liability coverage that responds to product claims. A policy is generally intended to address this type of contractual requirement when written to the marketplace's terms.
Frequently asked questions
Why is product liability central for an online seller?
Ecommerce sellers usually have little or no foot traffic, so the primary exposure is the product itself rather than premises injury. Product liability is generally intended to respond to allegations that a sold item caused harm, with coverage depending on the policy terms and what was disclosed at application.
Do marketplaces require sellers to carry insurance?
Some marketplaces require liability coverage once a seller passes a sales threshold and may ask to be named as an additional insured. A licensed insurance professional can help confirm whether a policy meets a particular marketplace's stated requirements.
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