E-Commerce Insurance

E-commerce insurance can be tailored to your individual needs to ensure your online business has protection against events that could lead to financial loss. Without the correct e-commerce insurance in place, you could be exposed to claims being made against you that could jeopardise the future of your business and your ability to trade. Liability claims in particular can be costly, so making sure you’re covered against all eventualities is key to your business continuity.

At Premierline, we offer flexible e-commerce insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

• Public liability – for injured shop visitors or damage to their property.
• Employers’ liability – to protect your shop employees.
• Buildings cover – to cover for loss or damage to your shop premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
• Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

The cost of your e-commerce insurance will depend on your e-commerce activities, what you sell, the location and the amount and type of covers you require to protect your online shop. Like any other insurance, generally the more cover you require the higher the premium. The value you gain from having the right cover in place is a huge benefit to your business. An e-commerce insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

We have many years’ experience arranging e-commerce insurance for a variety of online traders and work hard to get you the cover that’s right for your business. Speak to one of our advisors today or request a call back and we’ll get you a policy that meets your online retailing needs. If you trade from a retail premises, then take a look at our range of retailer insurance packages.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.