From managing inventory and fulfilling orders to building your brand and serving customers, running an online store takes hard work. Berxi’s e-commerce insurance helps protect the business you’ve built with coverage tailored to the risks internet retailers face every day.
Running an e-commerce business comes with unique risks. A customer could claim a product you sold caused an injury or damaged their property. Your valuable inventory could get damaged, leaving you with costly losses and delayed orders. E-commerce business insurance helps protect your business from common risks like these so you can focus on growing your brand and serving your customers:
Without e-commerce insurance, you could be left paying these expenses out of pocket. But with Berxi’s general liability insurance and business personal property (BPP) coverage for internet retailers, you can help protect your business, your inventory, and your bottom line when the unexpected happens.
Berxi offers general liability insurance for e-commerce businesses, and you can add optional business personal property (BPP) coverage to your general liability policy to help protect your inventory, computers, and other business assets.
Berxi’s general liability insurance helps protect e-commerce businesses from claims of third-party bodily injury, property damage, personal injury, and advertising injury. This includes injuries or property damage caused by products you’ve sold, as well as claims involving libel, slander, or copyright infringement in your marketing materials.
General liability insurance can help protect against:
These types of claims can happen when you least expect them, and the costs can add up quickly. That’s where general liability insurance comes in. It can help cover medical expenses, property repairs, legal fees, settlements, and other covered costs, helping you protect your business and your bottom line.
Learn more about general liability insurance from Berxi.
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect your inventory, equipment, computers, and other essential business assets. If covered business property is damaged or destroyed, BPP coverage can help pay to repair or replace it, helping you get back to business faster.
Examples include:
To add BPP coverage to your general liability policy, simply select the option to protect your equipment while getting a quote. Learn more about business personal property coverage from Berxi.
Cyber liability insurance helps protect your business if sensitive client information is compromised in a data breach or cyberattack. It can help cover notification costs, legal fees, and recovery expenses. You can get cyber coverage from one of our trusted partners by speaking with our in-house product specialist team.
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can get workers’ comp coverage from one our trusted partners by speaking with our in-house product specialist team.
If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport inventory, employees, or equipment.
Berxi’s general liability insurance for e-commerce businesses starts at just $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, internet retailers who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for e-commerce business insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your e-commerce business. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
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Edward E.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che H.
“Berxi is hands down the most accessible and helpful insurance company I have ever worked with.”
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Shannon
It depends on the platform and your sales volume, but many online marketplaces require sellers to carry liability insurance once they reach certain thresholds. Even if coverage isn’t required, insurance can help protect your business if a customer claims your product caused an injury, illness, or property damage.
Yes, Berxi e-commerce insurance can help protect dropshippers from general liability claims, including claims that a product you dropshipped caused bodily injury or property damage.
The amount of coverage you need depends on factors such as the products you sell, where you sell them, your sales volume, and any insurance requirements from marketplaces or vendors. Many small e-commerce businesses start with limits of $1 million per occurrence and $2 million aggregate, but your needs may vary based on your specific operations and risk exposure. Berxi offers flexible coverage limits, starting at $100,000 per occurrence/$200,000 aggregate and going all the way up to $1 million per occurrence/$5 million aggregate.
In most cases, homeowners insurance provides little or no coverage for business inventory, equipment, or liability claims related to a home-based business. If you store products at home, separate business insurance may help protect your inventory and provide coverage that a homeowners policy typically does not.
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