Pricing numbers are based on representative partner data for 2025-2026 general liability policies. Based on policies from Jan 1, 2025 through Aug 10, 2026.
GENERAL LIABILITY
Online Business $29/month for general liability
WHY IT MATTERS
Why Online Business need business insurance
An online business can face claims involving sold products, stored inventory and workplace injuries. Business insurance can address covered losses based on the policies you choose and their terms.
SCENARIO 1
A customer alleges a product caused an injury
General liability insurance may help with legal defense and covered damages when a customer claims a product your business sold caused bodily injury or property damage.
SCENARIO 2
A fire damages stored inventory
Commercial property insurance may help repair or replace covered inventory and equipment damaged at a listed location, subject to the policy terms and deductible.
SCENARIO 3
An employee is hurt while packing orders
Workers' compensation insurance may help with covered medical expenses and lost wages after an employee is injured while performing job duties.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Products sold
Products with greater potential to cause injury or property damage can lead to more underwriting questions and different general liability insurance terms.
Sales activity
Higher sales can increase the number of customer and product interactions considered when a business insurance quote is developed.
Inventory and equipment
More inventory, computers and fulfillment equipment can increase the amount of commercial property coverage requested.
Employees and payroll
Adding employees or increasing payroll can affect workers' compensation insurance because the quote reflects job duties and workforce exposure.
Claims history
Prior claims can affect eligibility, coverage terms and the quote offered for future policies.
Coverage selections
Requested limits, deductibles, endorsements and coverage lines influence the terms of a business insurance quote.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even for businesses that sell to customers nationwide.
Operating locations
The states where employees work and business property is kept can affect applicable requirements and underwriting details.
Property exposure
The characteristics of each inventory or equipment location can influence commercial property coverage terms.
Market fit
Some products and fulfillment arrangements may require access to specialty markets and hard-to-find coverage.
732
Quotes analyzed
47
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Describe every product accurately
Create a current list of what you sell, where products come from and whether another company manufactures them.
Organize business records
Gather current sales, payroll, employee duties, inventory values and location details before requesting coverage.
Document risk controls
Keep records of product instructions, quality checks, return procedures, workplace training and customer complaint handling.
Review coverage choices
Check contracts for required coverage, then choose limits and deductibles that fit your obligations and ability to absorb a loss.
FAQ
Common questions
What insurance should an online business consider?
The right coverage depends on what you sell, where inventory is stored and whether you have employees. Options can include general liability insurance, commercial property insurance, a business owners policy and workers' compensation insurance.
What can general liability insurance cover for an online business?
General liability insurance may address covered claims alleging that your products or operations caused bodily injury or property damage. Exclusions, limits and deductibles depend on the policy.
Can commercial property insurance cover inventory kept at home?
It may cover business inventory and equipment at a listed location when the policy includes that property and the cause of loss is covered. Do not assume a personal policy includes business property; review the policy terms and disclosed locations.
Does an online business need workers' compensation insurance?
It may be needed when the business has employees. Requirements vary by state, and employee duties, payroll and work locations can affect the coverage.
How can I request business insurance for an online store?
Get a free business insurance quote by providing accurate details about your products, sales, inventory, locations, employees and claims history. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.