Coverage for creatives selling products online through websites or ecommerce platforms.
Ecommerce insurance is designed to protect artists, crafters, and makers who sell products online. While it may cover a broad array of risks, for most creatives, the essential coverage you need for ecommerce is product liability insurance (available through ACT Pro)!
Whether you sell through a personal website or on platforms like Etsy and Amazon, insurance is a financial safety net that lets you focus on growing your business — not on costly what-ifs.
Recommended for Online Sellers
ACT Pro
365-day coverage
$24.25/Month
ACT Go
$49/Event
ACT Pro is made for full-time artists and crafters who want enhanced protection for their entire business. With additional liability coverage for your products included, optional add-ons, and monthly payments, you can create confidently knowing we’ve got your back.
Annual Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
Cyber Liability Coverage available up to $100,000
Professional Liability is available through the user dashboard with upfront payment.
Pricing
(Or $279 per year)
Extends ACT Pro coverage to makers who sell more than 20% pre-made or non-handmade elements in their products (Or $379 per year)
Coverage for Beauty & Cosmetics, Soap, and Candle Makers
ACT Go is craft vendor insurance built for on-the-go hobbyists who need quick coverage at events. This flexible general liability policy is like a pop-up tent, working when and where you do — making it ideal if you only attend a couple of craft shows a year. Plus, enjoy the option to add coverage for your tools, supplies, and inventory in case of theft or damage while you’re on the go.
Short-Term Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $2,000/$2,000.
Pricing
Every ecommerce business — even small or part-time setups — needs insurance. Think of it as financial bubble wrap for every transaction, protecting your business once your product leaves your studio.
If you create and sell physical products, ecommerce insurance is crafted to cover businesses like yours! This includes:
Vendor liability insurance offers the basic coverage you need to get into events and cover common claims. There are different types of liability insurance, the same way there are different types of tents to cover your booth.
For complete protection (including product liability for ecommerce), choose ACT Pro!
Ecommerce insurance for artists and crafters, with annual coverage for online sales through ACT Pro, starts from $24.25/month. Create a bespoke policy by adding optional coverages.*
For quick coverage for in-person sales, ACT Go starts at just $49 per event, with duration options from 1–3, 7, or 90 days.
ACT is tailored for the small business owner who dreams up their next launch, crafts their goods thoughtfully, and shares their creativity online. Enjoy affordable, top-rated coverage that keeps up with your digital storefront, in-person pop-ups, and beyond.
Yes, the ACT Pro policy covers both online and in-person sales. This means you can sell your handmade goods confidently, knowing your coverage is designed to help with claims related to your products after they leave your studio.
For quick coverage for in-person events, ACT Go includes general liability insurance to help cover accidents that happen at your booth.
Yes, you need insurance even if you exclusively sell through ecommerce platforms, as they do not cover your business liability as a seller. If a customer is accidentally harmed by your product, your business, not the platform where the sale occurred, can be held responsible for the damages.
Product liability insurance is essential for ecommerce businesses because you’re responsible for what you sell, even after it’s delivered. If a product causes injury or property damage, product liability insurance is designed to cover legal fees and damages.
That’s why every ACT Pro policy automatically comes with product liability insurance, helping protect your business from real risks you face as an online seller.
Common insurance claims for ecommerce businesses include:
These are everyday risks of selling physical goods and exactly what ecommerce product liability insurance is designed to help with.
If you have questions about purchasing ecommerce insurance, our team of friendly, U.S.-based licensed agents is ready to help. Give us a call at 844.520.6991.
