Online retailer insurance

You run an online emporium, dotcom boutique or digital destination shop.

You might trade in homemade pottery, beautiful crafts or dazzling vintage clothes. Maybe you sell practical things, like camping equipment, computer parts or antique furniture. Or the bits that no-one thinks of: the nuts,  bolts and nails that keep things working. Whatever you’re dealing in – it’s only ever a click away from your customers.

And even though your business is online – it’s just as real as a bricks and mortar establishment. You’ve got to protect it against risk, injury and the damage of possible compensation claims.

That’s where AXA insurance comes in.

Why do I need insurance for my online shop?

Running any retail business comes with risks. There could be a break-in, or fire damage to your stock. Public liability insurance will protect you if someone is injured by your products, or if damage is caused to their property because of something you’ve supplied.

If you have large amounts of stock, it’s important that it’s insured properly. AXA’s contents insurance (with optional extras like goods in transit insurance) can provide the level of protection that you need to keep products safe as they are transported to the customer.

Do I need insurance as an online retailer?

You’re not running a bricks and mortar shop – but it doesn’t mean that there’s no risk involved. You’ve still got stock and customers. You’ll still have visitors and suppliers coming through to meet your business – or maybe you deliver to them.

There are still orders to be carried out, and they’ll need protected on the move.  What if there’s a fire or a flood that prevents you trading for a while? AXA’s got you covered.

Also, it’s important to remember that as a shop owner, you’re responsible for any injury or damage caused by the products you sell. Product liability, which comes as part of our public liability cover, can offer you essential protection in the event of a customer claim – meaning you’re free to  get on with business.

How much does it cost?

In 2019, 10% of our retail customers paid £127.61 for their business insurance.*

But it’s difficult to put a one-size-fits-all price on what you’ll need – because every business is a unique operation. The easiest way to find out how much your insurance will cost? Get a quote online. It’ll only take a few minutes, and you’ll get a 10% discount if you buy through our website.

 

What other insurance can I choose from to protect my online retailer?

Select from this bundle of covers and create the cover to fit you.

Public liability insurance

Cover of up to £5 million, if a member of the public is accidentally injured or their property gets damaged while dealing with your business. You’ll also get product liability insurance – protecting you in case of any compensation claims related to damage or injury caused by customers.

Find out more

Employers’ liability insurance

Do you have employees, casual workers or temporary staff? You’re legally required to take out employers’ liability insurance. It covers you for up to £10 million for any claims from staff who may become unwell or suffer an injury as a result of working for you.

Find out more

Contents cover

Replace the contents of your business premises or stock, with choice of additional protection – including goods in transit insurance that’ll keep your deliveries safe whether on the road or in the post.

Find out more

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* 10% of our online retailer customers paid £127.61 for their insurance between February and July 2020.