Online Sales Insurance
You’ve built your online business. Now let us protect it with an Online Sales Insurance policy.
Why you need Online Sales Insurance
Your storefront is digital, but your profits and products are physical and susceptible to loss. So, protect your business against risk with an Online Sales Insurance policy. These policies cover most online businesses, whether hosted through a site you built or managed through third-party vendors, such as Amazon or Etsy.
Online Sales Insurance through State Farm® can cover you in case of:
- Theft – Shipments go missing and products get stolen, despite best efforts to secure them. When a theft occurs, we’ll help restore your lost inventory or revenue.
- Business interruption – Business can slow or stop when a covered loss happens, such as theft or fire. We can help cover your lost income or profits resulting from that covered loss.
What Online Sales Insurance covers
We’ll start with a package of coverages most online sellers need. Then we’ll help you customize them to fit your unique business. The result? An Online Sales Insurance policy that keeps you properly covered at a surprisingly great rate.
- Computer Property – Protects the computer equipment you use to run your business operations.
- Property – Covers the property where you work and the contents within that space if you lease or rent the building.
- Business Liability – Secures you against lawsuits resulting from property damage, bodily injury, or personal and advertising injury.
- Loss of Income – Provides help when your business operations are suspended due to a covered loss.
- Employee Dishonesty – Protection against direct physical loss to business personal property, including money and securities resulting from dishonest acts committed by employees.
- Equipment Breakdown – Insures against the breakdown of equipment due to covered risks.
- Utility Interruption Loss of Income – Covers loss of income due to failure of communications, water, natural gas, or electrical service to the premises.
Consider adding additional coverages
Depending on the type of online sales you conduct, the number of employees you have, and other factors, what’s covered in your Online Sales Insurance policy may not be enough. A local State Farm agent can advise you on additional coverages you may need to protect your business.
Commercial liability umbrella policy
Commercial liability umbrella policy
Commercial liability umbrella policy (CLUP) gives you extra financial protection against costly lawsuits that may exceed your policy limits.
Data compromise and identity restoration
Data compromise and identity restoration
Data compromise and identity restoration can cover you in case of a data breach or if you, the business owner, become a victim of identity theft.
Motor truck cargo
Motor truck cargo
Motor truck cargo coverage may provide coverage for goods while in transit or within scheduled vehicles.
Workers’ compensation
Workers’ compensation
Workers’ compensation protects your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.
Talk to a local State Farm agent
1 “The 7 Best Small Business Insurance Companies of 2022.” Investopedia.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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