E-commerce Insurance

If your business operates online, you face a unique combination of risks. E-commerce insurance protects you from a range of risks that you are exposed to as the owner of an e-commerce store.

Join thousands of Canadian businesses that are already protected!

Business Insurance

What is E-commerce Insurance?

It is an important coverage designed to protect e-commerce stores from the most common risks they face, which are different from the risks faced by brick-and-mortar small businesses and retail stores, but have the same consequences in a courtroom.
Most common risks include hackers stealing credit card data, damage to e-store inventory and products injuring a customer.

E-commerce growth in Canada

Great news for online retailers – e-commerce continues to grow strongly with no signs of slowing down:

E-commerce continues to grow as more and more people are buying online rather than visiting a brick-and-mortar store, and the trend isn’t just limited to millennials.

What risks does an e-commerce store face?

Risks are unavoidable. As an e-store owner, these are some risks you should prepare for:
  • Hacked data – Canada ranked third for frequency of cyber breaches in 2018. 70% of the targets were small businesses.
  • Injured customers – if a product you sold injures the customer, you could be sued, even if you are not the product manufacturer.
  • Inventory damage – do you store your products in a warehouse or in your garage? damage to business inventory is not covered by a homeowner’s policy.

What is covered by e-commerce insurance?

These are the most common coverages that you will need and that will be covered by your insurance:
  • Cyber security coverage – protects you in the event that hackers breach your security and steal your customers’ personal and financial data.
  • Product liability coverage – if a child chokes on your product and the parents sue, product liability coverage will cover medical and legal expenses.
  • Commercial property coverage – if a fire wiped out your inventory, you will be insured for the cost of your damaged products.

How much does it cost to be insured?

Insurance cost will vary from business to business. Major factors that are taken into account are sales volume, type of products sold, value of inventory and where products are imported from. High risks products like fireworks can hike up the premium, as will expensive inventory such as luxury watches.
Considering these factors, insurance premiums can start as low as $500 per year for an e-store that sells a few thousands dollars worth of products every month and go up steadily for businesses that sell more and store more.

Getting insured is
quick and easy!

If E-commerce Insurance is what you need,
request a free quote now >

Popular E-commerce Products Sold in Canada

These are the most popular products sold on Canadian E-commerce stores:

  • Fashion – clothing

  • Jewellery

  • AR/VR headsets and equipment

  • Online learning platforms

  • Electronics

  • Grocery and food

  • Healthy pet snacks

  • Drones

  • Sporting gear

  • Office supplies

  • Cell phone accessories

  • Cosmetics

Common scenarios where E-commerce Insurance is useful:

Commercial Insurance Canada Scenario

Hackers breach your systems and steal your customers’ personal and financial data. E-commerce insurance with cyber liability protection will cover you.

Commercial Insurance for Contractors

A fire wipes out all the inventory you had stored in your garage – E-commerce insurance with a commercial property policy will cover you.

Commercial Insurance for Restaurants

A child chokes on a product that you sold and the parents sue  – you would need a product liability policy to protect your business.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

Intact Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Trisura Small Dusiness Insurance
Trinity Underwriting Business Insurance Canada
Business Insurance Zen Man

Ready To Start? Let’s Get a Quote!

Getting an e-commerce insurance quote shouldn’t be complicated!

At Zensurance we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.