Industry Specialty

Retail & Ecommerce Insurance

Coverage built for modern retail — whether you're running a storefront, selling online, or both. Product liability, property, cyber, and more.

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You Just Hit $10K/Month on Amazon. Now They Want Insurance Proof.

It starts with an email from Amazon: “Your account requires product liability insurance. Upload proof within 30 days or your listings will be suspended.” You call your personal insurance agent. They’ve never heard of marketplace seller insurance.

Meanwhile, your best-selling product stays live, customers keep ordering, and you’re one defect claim away from a lawsuit with no coverage.

We get marketplace sellers compliant fast — often with same-day certificates naming Amazon, Walmart, or Faire as additional insured.

Retail Businesses We Insure

Brick-and-mortar retailOnline-only ecommerceOmnichannel retailersBoutiques & specialty shopsPop-up & seasonal storesWholesale distributorsDropshipping businessesAmazon & marketplace sellersD2C brandsSubscription box companies

Coverage for Modern Retail

Retail risks span physical and digital worlds. We build coverage that protects your products, your premises, and your online presence.

Product Liability

Covers claims that a product you sell caused injury or damage. Whether you manufacture, import, or resell products, you can be held liable for defects. Essential for any retailer.

General Liability

Covers slip-and-falls in your store, damage to customer property, and other premises liability. Retail locations with foot traffic face constant exposure — GL is foundational.

Property & Inventory

Protects your merchandise, fixtures, equipment, and improvements. Whether you're a boutique or a warehouse, your inventory represents significant investment.

Cyber Liability

Ecommerce businesses handle customer data — payment info, addresses, account details. Cyber coverage protects against data breaches, ransomware, and PCI-DSS compliance failures.

Shipping & Transit

Covers goods in transit — whether shipping to customers or receiving from suppliers. Important for ecommerce operations with significant shipping volume.

Business Interruption

If a covered loss shuts down your store or takes your website offline, business interruption replaces lost income and covers fixed expenses during recovery.

Coverage by Sales Channel

Different retail models have different coverage needs.

Physical Retail Store

Business owners package (BOP) with property, general liability, and business income. Add product liability based on what you sell. Workers comp if you have employees.

Pure Ecommerce / D2C

Product liability, cyber liability, and inland marine for inventory. General liability even without a storefront — you still have exposure from products and operations.

Omnichannel (Store + Online)

Full BOP for the physical location plus cyber coverage for online operations. Product liability across all channels. Consider errors & omissions for order fulfillment issues.

Marketplace Sellers (Amazon, Etsy)

Product liability is critical — platforms increasingly require it. General liability, and cyber if you handle customer data outside the platform. Inland marine for inventory.

Why Bay Area Retailers Choose Nadler

Retail & Ecommerce Expertise

We understand modern retail — the blend of physical and digital, the product liability exposure, the cyber risks. Coverage built for how you actually sell.

Platform-Ready Certificates

Need insurance for Amazon, Faire, or a big retail partner? We provide compliant certificates with proper additional insured endorsements — fast.

Scalable Coverage

Whether you're a new D2C brand or an established retailer, we build coverage that scales. As your business grows, your insurance adapts.

Claims Support

Product recall? Customer injury? Cyber incident? We're your advocate through the claims process, helping you get fair treatment and quick resolution.

Platform & Marketplace Compliance

Selling on Amazon, Walmart, Faire, or other platforms? Each has insurance requirements that sellers must meet. We help you navigate compliance quickly so you can keep selling.

Amazon seller insurance requirements
Walmart Marketplace compliance
Faire and wholesale platform requirements
Big-box retailer vendor insurance

Need a platform-compliant quote? Let's talk →

24hr

Typical certificate turnaround

Same-day available when urgent

The Nadler Approach

We're advisors who understand retail — the margins, the seasonality, the platform dependencies, the product liability exposure. When you work with Nadler, you get an insurance partner who builds coverage around your actual business, not a generic package.

Since 1927, we've been helping Bay Area businesses protect themselves. We're a 4th-generation family brokerage, and we take a long-term view of our client relationships.

Learn about our story

Paul’s Take

“Retail has changed more in the last 10 years than in the previous 50. But the core risks haven’t changed at all — someone gets hurt by your product, a fire wipes out your inventory, a theft cleans out your store. What’s new is the digital layer: data breaches, platform compliance, shipping liability. We help retailers and ecommerce sellers build coverage that handles both the old risks and the new ones.”

— Paul Nadler, Principal

The 5 Most Expensive Retail Insurance Mistakes

Ignoring product liability as a reseller

You don’t need to manufacture a product to be liable for it. If a customer is injured by something you sold, you’re in the lawsuit — even if the manufacturer is overseas and unreachable.

No cyber coverage for online stores

If you process payments, store customer emails, or run a website, a data breach is your responsibility. A single PCI-DSS violation can cost $5K-100K in fines, plus breach response costs.

Underinsuring inventory at peak season

Your property limit is set based on average inventory. But if a fire or flood hits during holiday season when you’re stocked 3x normal, your policy only pays up to the stated limit.

Missing marketplace compliance deadlines

Amazon suspends sellers who don’t upload proof of insurance within 30 days of crossing $10K/month. Walmart, Faire, and big-box retailers have similar requirements. One missed deadline = lost revenue.

Skipping business interruption coverage

Your website goes down from a cyber attack, or a pipe bursts in your store. Revenue stops, but rent, payroll, and supplier payments don’t. Business interruption replaces lost income during recovery.

Get the Retail Insurance Checklist — Free

We’re building a guide covering product liability, marketplace compliance (Amazon, Walmart, Faire), cyber coverage, and inventory protection — written for Bay Area retailers and ecommerce sellers by Paul & Zach Nadler. Drop your info and we’ll send it when it’s ready.

Retail & Ecommerce Insurance FAQs

Do I need product liability insurance if I just resell products?

Yes. Under product liability law, everyone in the distribution chain — manufacturers, importers, distributors, and retailers — can be held liable for defective products. Even if you didn't make the product, you can be sued. This is especially important if you sell products from overseas manufacturers who may be difficult to pursue legally.

What insurance do I need for an ecommerce business?

At minimum: general liability, product liability, and cyber liability. If you hold inventory, add inland marine or commercial property coverage. Business interruption protects your income if your site goes down due to a covered event. If you have employees, you'll need workers compensation. We build packages based on your specific business model.

Does Amazon require insurance for sellers?

Amazon requires product liability insurance for sellers with $10,000+ in monthly sales. The policy must include at least $1 million per occurrence and name Amazon as an additional insured. We help Amazon sellers get compliant coverage quickly — often with same-day certificates.

How much does retail insurance cost?

It varies widely based on your sales volume, product types, number of locations, and employee count. A small boutique might pay $2,000-4,000 annually for a basic package. An ecommerce business with higher product liability exposure or a larger retail operation could be $10,000+. We shop multiple carriers to find competitive rates.

What is inland marine insurance for retail?

Inland marine insurance covers goods in transit and inventory stored at various locations. For ecommerce businesses, it protects merchandise being shipped to customers, inventory at fulfillment centers, and goods at trade shows. It fills gaps that standard property policies don't cover.

Do I need cyber insurance for my online store?

Yes, especially if you process payments or store customer data. Even if you use third-party payment processors, you likely handle customer information that could be breached. Cyber coverage pays for breach response, customer notification, forensics, legal fees, and potential regulatory fines. It's increasingly expected by payment processors and platforms.

Ready to protect your retail business?

Get coverage built for modern retail from a broker who understands your business.

Get a Quote Call (650) 508-8000