NEXT earned our top spot for the best small business insurer for ecommerce companies due to its excellent customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including The Hartford, Thimble and Coverdash.
Best Ecommerce Business Insurance
Updated: July 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT is the best business insurance company for ecommerce firms because it offers the greatest balance of customer service and coverage.
The cheapest overall commercial insurance provider for ecommerce businesses is Thimble, with low monthly rates for various coverage types.
To shop for business insurance for your ecommerce business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Ecommerce Companies
| NEXT Insurance | 93 | 90 | 94 |
| The Hartford | 92 | 90 | 91 |
| Thimble | 91 | 98 | 81 |
| Nationwide | 87 | 82 | 91 |
| Coverdash | 87 | 84 | 83 |
| biBERK | 86 | 83 | 91 |
| Chubb | 86 | 81 | 87 |
| Simply Business | 85 | 80 | 83 |
| Progressive Commercial | 85 | 85 | 81 |
| Hiscox | 83 | 80 | 87 |
*All scores were based on a ecommerce business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Fast digital quoting and onboarding
Excellent customer satisfaction
Affordable across multiple policy types
cons
No agent-based service model
COMPANY HIGHLIGHTS
NEXT is our top pick for ecommerce companies thanks to its strong customer service and competitive pricing across policies. It offers streamlined digital onboarding, making it ideal for online sellers and dropshippers looking to get insured quickly. With a 4.7-star rating from over 3,000 customer reviews (NEXT reviews), the company has built a reputation for responsive support. Coverage options include general liability, product liability, professional liability and BOPs. NEXT is especially valuable for solo ecommerce operators and small teams scaling fast.
2. The Hartford
pros
Best pricing for professional liability
Trusted legacy insurer
Wide commercial coverage options
cons
Limited self-serve quote tools
COMPANY HIGHLIGHTS
The Hartford remains a go-to for ecommerce businesses needing robust professional liability protection. It offers strong pricing across several policy types and is backed by an A+ rating from AM Best, giving business owners peace of mind. With tailored commercial coverage and expert underwriting, The Hartford suits ecommerce companies that want scalable, long-term protection. While the quote process isn’t as digital-forward as some peers, the tradeoff is a more personalized policy experience.
3. Thimble
pros
Cheapest general liability and BOP
Flexible short-term coverage
Easy online application
cons
Customer service trails top competitors
COMPANY HIGHLIGHTS
Thimble is a standout choice for ecommerce businesses that need fast, flexible coverage without the traditional hassle. It consistently ranks as the cheapest option across multiple policy types, including general liability, workers' comp and BOP insurance. Its policies are designed for digital convenience—you can quote, bind and manage everything online within minutes.Â
While Thimble earns strong reviews on Trustpilot, it’s worth noting that the company doesn’t offer phone-based customer service; all communication happens through the app or email. That makes it ideal for tech-savvy entrepreneurs, but less suited for those who prefer direct support.
Cheapest Business Insurance for Ecommerce Firms
Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for ecommerce companies across most policy types. However, this applies only to ecommerce companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Ecommerce Companies
With an average monthly rate of $24, Thimble offers the lowest-cost general liability insurance for ecommerce companies. Even so, consider getting quotes from the next-most-affordable insurers: NEXT and The Hartford.
| Thimble | $24 | $294 |
| NEXT Insurance | $54 | $648 |
| The Hartford | $59 | $705 |
| Progressive Commercial | $71 | $848 |
| Coverdash | $74 | $887 |
| Chubb | $78 | $940 |
| Nationwide | $79 | $944 |
| biBERK | $84 | $1,008 |
| Simply Business | $96 | $1,156 |
| Hiscox | $99 | $1,193 |
Cheapest Workers' Comp Insurance for Ecommerce Companies
For ecommerce businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $9 per month or $112 yearly. However, you may find more affordable rates with Simply Business, Progressive Commercial, Hiscox and NEXT.
| Thimble | $9 | $112 |
| Hiscox | $10 | $125 |
| Progressive Commercial | $10 | $120 |
| Simply Business | $10 | $124 |
| biBERK | $11 | $131 |
| Coverdash | $11 | $128 |
| NEXT Insurance | $11 | $130 |
| The Hartford | $11 | $127 |
| Nationwide | $12 | $140 |
| Chubb | $13 | $150 |
Cheapest Professional Liability Insurance for Ecommerce Companies
The Hartford offers the most affordable professional liability insurance options for ecommerce companies, with low average monthly rates of $55. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial, and Thimble.
| The Hartford | $55 | $659 |
| NEXT Insurance | $57 | $688 |
| Progressive Commercial | $58 | $701 |
| Hiscox | $61 | $729 |
| Simply Business | $61 | $730 |
| Thimble | $61 | $729 |
| Coverdash | $62 | $749 |
| biBERK | $64 | $763 |
| Nationwide | $66 | $797 |
| Chubb | $72 | $858 |
Cheapest BOP Insurance for Ecommerce Companies
Thimble provides the most affordable business owner's policy (BOP) coverage for ecommerce companies, with an average yearly cost of $455 for bundled general liability and property protection. That's $455 less annually than The Hartford, the second most affordable option.
| Thimble | $38 | $455 |
| The Hartford | $76 | $910 |
| NEXT Insurance | $78 | $936 |
| Progressive Commercial | $106 | $1,269 |
| Coverdash | $107 | $1,281 |
| biBERK | $110 | $1,323 |
| Nationwide | $118 | $1,414 |
| Chubb | $119 | $1,423 |
| Simply Business | $145 | $1,743 |
| Hiscox | $148 | $1,780 |
What Type of Coverage Do You Need for a Ecommerce Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED ECOMMERCE BUSINESS COVERAGE
General liability insurance is strongly recommended for ecommerce companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage becomes especially useful for companies offering specialized services or handling large contracts where the risk of disputes is higher.
Coverage Recommendations by Ecommerce Company Type
We've outlined a list of ecommerce business types, ranked by their risk exposure and insurance needs. This breakdown starts with businesses facing the highest risk of claims.
Ecommerce Company Type | Recommended Coverage Types | Most Common Insurance Claims | Most Common Reasons for Litigation |
|---|---|---|---|
Product Sellers (physical goods) | General Liability, Product Liability, BOP | Product defects, customer injuries, property damage | Defective products, failure to warn |
Dropshipping Stores | General Liability, Professional Liability | Misrepresentation, supply chain errors | Breach of contract, misleading marketing |
Digital Product Sellers | Professional Liability, Cyber Liability | Copyright infringement, data breach | IP violations, customer data misuse |
Amazon/eBay/Etsy Sellers | BOP, General Liability, Product Liability | Shipment damage, returns disputes | Platform policy violations, injury claims |
Subscription Box Services | BOP, Product Liability | Shipping issues, allergic reactions | Improper labeling, product harm |
How to Get the Best Cheap Business Insurance for Your Ecommerce Company
Here's a step-by-step method for finding the best and cheapest business insurance for your ecommerce company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
To ensure you get the best deal, research average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
To further narrow your list, research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options to ensure you're covered for the right items.
- 4
Compare multiple quotes through different means
The tried-and-true method for finding the best deal is to compare multiple quotes for apples-to-apples coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Ecommerce Business's Liability Risk
Reducing liability risks is vital for ecommerce businesses to keep insurance costs manageable. We've organized practical risk mitigation strategies by business type and risk level to help you find the best fit for your needs.
Risk Level | Included Types of Ecommerce Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Subscription boxes, Amazon FBA sellers, international shipping operations | Use clear product labeling, track inventory sources, insure international shipments, understand platform liability clauses |
Moderate | Print-on-demand, dropshipping, high-volume general goods | Require supplier certificates of insurance, update product descriptions regularly, invest in packaging liability |
Lower | Digital goods (courses, templates), downloadable software | Include digital disclaimers, maintain cyber liability coverage, register IP and trademarks |
Best Insurance for Ecommerce Business: Bottom Line
NEXT is the top provider for ecommerce insurance, while Thimble offers the most affordable coverage overall. We also recommend getting quotes from The Hartford and Nationwide. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Ecommerce Business Insurance: FAQ
This section answers frequently asked questions about ecommerce business insurance. Understanding the options available can help you choose the best coverage for your online business.
Who offers the best ecommerce business insurance overall?
NEXT provides the top business insurance for ecommerce, boasting a remarkable customer service rating and a MoneyGeek score of 93 out of 100. The Hartford follows closely with 92.
Who has the cheapest business insurance for ecommerce companies?
Here are the cheapest business insurance companies for ecommerce firms by coverage type:
- Cheapest general liability insurance: Thimble at $24 per month
- Cheapest workers' comp insurance: Thimble at $9 per month
- Cheapest professional liability insurance: The Hartford at $55 per month
- Cheapest BOP insurance: Thimble at $38 per month
What business insurance is required for ecommerce organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for ecommerce businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does ecommerce business insurance cost?
Business insurance costs for ecommerce companies vary based on your platform, product type and team size. Below are the average monthly rates for key coverage types:
- General liability: $72 per month
- Workers comp: $11 per month
- Professional liability: $61 per month
- BOP insurance: $105 per month
How We Chose the Best Ecommerce Business Insurance
We selected the best business insurer for ecommerce companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.
- Trustpilot. "Thimble." Accessed June 16, 2025.