Furniture and homeware online retail insurance - protect your business today
Running an online store selling household goods—furniture, homeware, garden items, or kitchenware—has plenty of advantages. You can reach a broad audience, offer your products without the costs of a physical store, and enjoy the flexibility of managing your business on your terms. Plus, showcasing your beautiful ranges online allows customers to easily browse and shop from their homes.
Of course, there are a few challenges too. Online retail businesses can face risks like cyber threats, supply chain hiccups, and inventory or shipping issues.
While insurance may not be as stylish as your products, it gives you valuable peace of mind. Some of the features and benefits include:
- Specialist insurance – access a specialist insurance product online from an A-rated insurer, or if your requirements are more complex, let us approach our panel.
- Multiple cover options - including public, products, employers, personal injury liability, property damage and business interruption.
- Personal accident cover - add an extra layer of protection with £25,000 personal accident cover.
Why choose Marsh Commercial?
At Marsh Commercial, we can arrange tailored online retailer insurance that protects your business.
As an online home essentials retailer, insurance can be your safety net against unexpected challenges. Whether it’s protecting your stock from damage or loss during shipping, covering you in case of warehouse accidents, or guarding against potential cyber threats, the right cover helps you avoid costly surprises.
It also gives you peace of mind regarding legal matters should you encounter customer disputes or employee incidents. Online retailer insurance means you can focus on running and growing your business without worrying about what could go wrong.
Insurance products available to buy online
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Public liability
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Products liability
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Employers liability
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Personal injury liability
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Property damage
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Public liability
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Business interruption
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Contents and stock
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Goods in transit
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Legal costs
Key optional extras
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Bespoke contents, stock and business interruption covers
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Crime insurance
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Cyber insurance
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Directors and officers liability
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Marine cargo insurance
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Motor fleet insurance
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Personal accident and travel insurance
Please note that the optional covers listed above are not available through our online quote and buy facility. Please speak to one of our advisers if you’d like to add these to your policy.
Get online retail insurance now
Get covered in minutes with our quote and buy specifically designed for businesses with a turnover of less than £5 million. Have a larger turnover or just prefer a chat? Don’t worry, we’re only a phone call away.
FAQs
Online business insurance is essential because it protects your business from unexpected risks like theft, damage to your stock, cyberattacks, or legal liabilities. Whether it's a shipping issue, a customer dispute, or a data breach, having insurance ensures that you're financially covered, allowing you to focus on running and growing your business with peace of mind.
Anyone running an online store—whether selling furniture, homeware, garden items, or kitchenware—needs e-commerce insurance. This includes small business owners, large retailers, and even those selling on platforms like eBay, Amazon, Shopify, or Etsy. It protects your stock, financials, and reputation, no matter the size of your business.
While it’s not always mandatory, online retailer business insurance is highly recommended when selling on third-party platforms like Amazon, Etsy, or eBay. Many platforms may require sellers to have insurance for liability purposes, and it also protects you from potential issues such as damaged goods, legal claims, or costly customer disputes.
As an online retailer, you should have various online business insurance in place to protect your business. Typical online retail insurance includes:
Business interruption insurance compensates for lost income if your online retail business is temporarily closed due to fires, floods, or other unforeseen disruptions.
Contents and stock Insurance covers the cost of replacing or repairing your stock if it gets damaged, lost, or stolen in a warehouse or during transit.
Cyber liability insurance protects your business against data breaches, hacking, or cyberattacks. These can be particularly damaging in e-commerce, as sensitive customer data is often stored online.
Product liability insurance protects you if a product you sell causes injury or harm to a customer, ensuring you're covered for legal and compensation costs.
If you employ staff, you’re legally required to have employers liability insurance. This covers any claims from employees who may be injured or fall ill due to their work.
Public liability insurance covers you if a customer or member of the public is injured or their property is damaged due to your business activities, such as slips, trips and falls.