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Ecommerce insurance

Whether it’s a side hustle or your sole focus, help protect your online retail store with cover arranged by Marsh.

What insurance should online retailers consider?

With more than 80% of Australians shopping online*, more businesses are turning to ecommerce as an additional or a sole channel to offer their goods.

But the online world can leave you exposed to new or heightened levels of risk.

Make sure you and your business are protected. Our specialist insurance brokers can advise you on an insurance solution tailored to you and your needs.

Cover we can arrange

  • Choose up to $20 million product liability cover limit 

    For claims made against your business due to faulty or damaged products. The limit of liability is the maximum amount that can be provided under the insurance policy.

  • Cybersecurity insurance

    For financial loss resulting from cyber threats and exposures, data breaches and system interruption.

  • Goods-in-transit or marine cover

    Helps protect your cargo while in transit by road or by sea.

  • Australia-wide cover

  • Other options

    Including business interruption, management liability, equipment or machinery cover, and more

Additional cover we can arrange

Products and services

Public liability insurance

Help protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Learn More

Products and services

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Learn more

Products and services

Business interruption

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Learn more

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Ecommerce expertise

We have supported Australian retailers for more than 20 years. Our team of dedicated brokers use their in-depth industry knowledge to arrange cover addresses your most pertinent risks.

Tailored cover

We can arrange cover that’s tailored for the unique and evolving risk exposures of the industry – and of your business. Leaving you better protected and more at ease.

Flexible payment options

Lump sum insurance premiums can be stressful. Ease the pressure on your cash flow – let Marsh arrange easy-to-manage monthly instalments through our premium funders at a competitive interest rate.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

Retailers who sell their products at a physical location can be exposed to additional risks.

If you have a shopfront, make sure you mention this to your broker so they can arrange the most appropriate cover for your business needs.

Doing business online adds new risks on top of your standard business risk exposures.

For example, you could accidentally spread viruses or malware – or compromise your clients’ privacy and personal details. Cybersecurity insurance can help support you if a claim arises.

You might further protect your business and clients with product liability insurance if you sell goods online. And professional indemnity insurance if you offer professional services or advice.

Yes. We can arrange funding from our premium funders, for your premium payable in monthly instalments** provided your business meets certain criteria.

Contact us to set up monthly payments for your premiums.

Considered two of the most important forms of insurance for businesses, public liability and professional indemnity insurance can help to provide cover for very different risks.

Public liability and product liability insurance can help protect your business against financial losses if a third party claims they’ve sustained an injury or that their property was damaged due to your products or business activities.

On the other hand, professional indemnity insurance can help protect you if a third party (usually a client) claims that an error in the advice or service you offered caused them injury, damage, or financial loss. It can help cover settlements judgements, investigation costs and defence costs in relation to professional indemnity claims – or action made against a business.

The value of any insurance broker is tested by their ability to respond to claims when needed.

Marsh acts as an advocate for our clients in the event of a claim. Our team will negotiate with insurers to get the best possible terms on your behalf, coordinating and managing all aspects of the claims process.

Related insurance solutions

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Business interruption cover

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Goods-in-transit insurance

Cover your cargo, bolster your business. Help maintain your forward momentum with insurance arranged by Marsh.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Management liability cover

Help protect your business – and your team – against management and operational risks with management liability cover.

Personal accident cover

With personal accident cover you can be sure your medical expenses are covered in the event of an on-the-job injury.

Professional indemnity

Protect your business against claims of misleading advice, breach of duty and negligence with professional indemnity cover.

Workplace personal injury

On-the-job injuries can hurt – and not just the injured worker. Help protect yourself against costly claims with cover arranged by Marsh.

Retail insurance

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.

Allied health insurance

Arranging cover options for more than 700 allied health modalities, we’re here to support the vitality of your health service.

Pet industry insurance

Working with animals is a rewarding career path – with certain risks attached. Work well and worry less with cover arranged by Marsh.

* Australia Post, Inside Australian online shopping: ecommerce industry report, 2021

** Interest and additional fees may be applicable. Terms and conditions apply.

LCPA 23/154
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.