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INSURANCE FOR ONLINE & OMNICHANNEL RETAILERS
Why E-commerce & Click-and-Collect Insurance Matters
Online and click-and-collect retailers face a different risk profile to traditional high-street shops — including cyber threats, delivery risks, stock in transit, customer data exposure and product liability.
Insure24 arranges specialist insurance for UK e-commerce businesses, hybrid retailers and omnichannel operations, protecting your stock, systems, customers and income.
What Does E-commerce & Click-and-Collect Insurance Cover?
- Stock Insurance (warehouse, shop & storage locations)
- Goods in Transit & courier liability exposure
- Public Liability (customers collecting in-store)
- Employers’ Liability (legal requirement)
- Product Liability for goods sold online
- Cyber Insurance & data breach protection
- Business Interruption & system downtime cover
- Theft, fraud & malicious damage
Who We Insure
- Online-only retailers & marketplaces
- Click-and-collect retail businesses
- Omnichannel retailers (online + physical stores)
- Subscription & direct-to-consumer brands
- Home-based and warehouse-based e-commerce
Why Choose Insure24?
- Specialist insurers for e-commerce risks
- Cover for stock, transit & digital exposure
- Flexible policies for growing online businesses
- Cyber & data protection options
- Fast quotes with expert UK advice
FREQUENTLY ASKED QUESTIONS
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Do online retailers need business insurance?
Yes. Online retailers face risks including product liability, cyber attacks,
data breaches, delivery claims and business interruption.
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Is cyber insurance important for e-commerce businesses?
Yes. Cyber insurance protects against data breaches, ransomware,
payment fraud and system downtime affecting online sales.
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Is stock covered while being delivered to customers?
Goods-in-Transit cover can protect stock while it is being transported
by couriers or delivery partners.
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Do I need public liability for click-and-collect?
Yes. Public Liability Insurance protects your business if a customer
is injured while collecting goods from your premises.
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Can cover include both online and physical shops?
Yes. Omnichannel policies can combine online trading risks
with cover for physical shops and storage locations.