Boxes being packed

Amazon & Online Retailers Insurance

Insurance for online selling on Amazon Marketplace that meets the needs of the company and regulations set out by Amazon and for Online Retailers generally

Start Your Quote

Let us have a few details so we can get started with your quote …

Online Retailer Insurance for your Ecommerce Business

If you have created an e-commerce store whether through Amazon or elsewhere, you will need to consider your insurance options.

If you are relying on your online retail business for a part or all of your income, you could find yourself in a tight spot should disaster strike. eCommerce or Internet Traders insurance can act as a safety net.

Boxes being packed

Stock Protection

As an online retail business owner, your physical goods are arguably your most important asset. Without your stock, you will have nothing to sell.

With Insync, you can insure your stock for risks such as fire, theft, loss and damage to protect your income in the event of a disaster. For example, you store your stock in your garage, and a burst pipe causes water damage to your products, and they’re now unsellable.

With a robust policy, you can claim back the cost of the damaged goods and, with a Business Interruption extension, your fixed costs and lost earnings during that time would also be protected.

Products Liability

Products Liability is recommended for all online retail businesses. Products Liability covers you for instances where physical products that you have supplied are alleged to have caused bodily injury, illness, accidental death, or property damage to a third party.

While the legal liability is usually placed on the manufacturer, some claims are not always clear cut and anyone in the supply chain can be brought into a dispute, particularly if the manufacturer doesn’t respond or is based in Asia and the claimant’s lawyers will simply attach any liability to you as the seller. If you are selling products that you make yourself, our team can arrange personalized insurance for your business.

In the event of a claim, your product liability insurance will pay the costs of your legal defense and the compensation costs should the claimant be successful.

Public Liability

Public and Product Liability insurance go together as standard. Like Product Liability, Public Liability covers you in the event of a member of the public suffering an injury, illness, accidental death, or third-party property damage as a direct result of your business activities, rather than a product supplied by you.

While an online business might have minimal interaction with members of the public, a Public Liability policy still comes recommended.

For example, a tradesperson is visiting your premises and trips over a loose carpet tile. The person is injured and makes a compensation claim against your business. Like Products Liability, your insurance will cover both legal and compensation costs to protect you from the financial losses of a claim.

Employers Liability

While other types of insurance are not mandatory for online retailers, Employers Liability is a legal requirement in the UK for any businesses with staff that are not immediate family members. If you employ people, whether they be full-time, part-time or casual workers, you will need to have employers liability cover. Not having cover when you need it can result in fines of up to £2,500 for every day you are uninsured. You can find out more information on laws around Employers Liability on the Gov.uk website.

Employers Liability provides financial support if any of your employees suffer an injury, become ill or their property is damaged as part of their work for you. If someone is working for you voluntarily and are injured, they may still be able to make an Employers Liability claim. Be sure to discuss this with our team for more information.

Cyber Insurance

Cyber cover is a highly important part of online business insurance. As an Amazon Seller, you will likely be holding customer data and or taking payments online, making cyber insurance cover a high priority for your business. Our expert team at Insync can arrange a comprehensive cyber policy to protect your business in the event of a cyber-attack or data breach.

Commercial Property Insurance

It is intuitive that if you are running a business that your business premises will need commercial property insurance. However, if you are running an Amazon Marketplace business from your home, business owners often make the mistake of relying on their standard home insurance for protection. If you are operating an online retail business out of your home, you will need to make sure you have a specialist business policy in place such as working from home insurance.

Cargo Insurance

Sometimes products are lost and damaged in transit. Cargo or Transit Insurance will cover your assets while they are being shipped to your customers in the UK and abroad. Depending on the contractual arrangement with your supplier, you may also find that you are responsible for insuring goods from point of sending and without adequate cargo insurance you may be financially exposed to any loss or damage to the goods during transit.

Business Equipment Insurance

With a Business Equipment policy, you can insure your computer equipment, mobile phones, and specialist tools. For instance, if you are manufacturing or crafting goods to sell through Amazon Marketplace, your equipment will be crucial to your business’s success. With Insync, you can insure your any manufacturing or packing tools, such as laser cutters, saws, drills, and more under your business insurance policy, as well as office equipment and contents.

Business Interruption

Business interruption will make up for your lost income following an insured event. For example, there is a fire at your warehouse, which takes out half your stock and takes weeks to repair.

Business interruption is key to your business continuity during a disaster and preventing you from falling into arrears while your business gets back on track as fixed costs such as rent, rates, wage roll all need to be met, as well as any associated loss of profit.

Professional Indemnity

Professional indemnity insurance covers losses for your customers or others as a result of your professional advice.

While this is often not relevant for a lot of online retailers, it might be an issue if you are using your status as an expert in your field to advise people on what they should buy. For example, you are a medical professional selling wellbeing products or are making custom items for a client, whether it be in bulk or an individual commission.

If a client believes they have suffered a financial loss as a result of the advice, or professional services if you have provided, they may seek financial compensation, together with any associated costs – your professional indemnity insurance policy would protect you against such actions.

Is Online Retails Insurance Tax Deductible?

According to HMRC, all business insurance is an “allowable expense” and, therefore, deductible from your taxable profit. Keep hold of your policy documents and receipts when you take out cover (these will be emailed to you).

Why choose insync for Online Retailers insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Online Retailers throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

Online Retailers Insurance

Our Amazon Sellers and Online Retailers insurance facility works on a menu-style basis, allowing you to simply select and pay for only the elements you need. Typical cover options include: 

  • Public and Product Liability Insurance
  • Cover for Cyber Attacks and Data Breaches
  • Manufacturing / Manufacturer cover available
  • Commercial Property Insurance
  • Cover for Legal Costs and Compensation Payments
  • Cover for Physical Loss, Accidental Damage and Theft
  • Stock or Goods Transit or Inland Marine Insurance available
  • Business Interruption for continuity

Insync for Amazon and Online Retailers Insurance

  • We compare Prices and Cover from our Panel of Leading eCommerce Insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert Advice from Liability Insurance Specialists
  • Personal – Digital Servicing AND your own Dedicated Insurance Professional

Online Retailers Insurance

Our Amazon Sellers and Online Retailers insurance facility works on a menu-style basis, allowing you to simply select and pay for only the elements you need. Typical cover options include: 

  • Public and Product Liability Insurance
  • Cover for Cyber Attacks and Data Breaches
  • Manufacturing / Manufacturer cover available
  • Commercial Property Insurance
  • Cover for Legal Costs and Compensation Payments
  • Cover for Physical Loss, Accidental Damage and Theft
  • Stock or Goods Transit or Inland Marine Insurance available
  • Business Interruption for continuity

Insync for Amazon and Online Retailers Insurance

  • We compare Prices and Cover from our Panel of Leading eCommerce Insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover and monthly payments – just pay for the sections you need
  • Expert Advice from Liability Insurance Specialists
  • Personal – Digital Servicing AND your own Dedicated Insurance Professional

Brilliant Agent

The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.