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Direct to Consumer Brands Industry
Direct-to-Consumer Brands, Insured for Every Click and Cart
Your brand reaches customers directly—so does risk. From e-commerce glitches to warehouse woes, our insurance solutions protect your online store, inventory, and reputation, leaving you free to innovate and sell
Direct to Consumer Brands Industry
Insurance Products
Product Liability Insurance
Guard against defect claims
Covers legal defense and settlements if your product causes bodily injury or property damage under Consumer Protection Act 2019
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Cyber & E-commerce Liability
Protect your online storefront
Covers data breaches, payment fraud, DDoS attacks, and regulatory fines under IT Act 2000 and PCI DSS for websites and platforms
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Goods-in-Transit Insurance
Secure every shipment
Covers packaged inventory in transit via courier, postal, or logistics partner against theft, damage, and loss
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Inventory & Warehouse Insurance
Protect your stockpile
Covers stored inventory against fire, flood, burglary, and equipment breakdown in fulfilment centres
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Business Interruption Insurance
Keep sales flowing
Compensates for lost revenue and fixed costs during operational outages from cyber incidents or natural perils
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Recall & Crisis Management Cover
Navigate product recalls
Covers recall costs, PR expenses, and legal fees for contaminated or unsafe products, protecting brand reputation
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Directors & Officers Liability
Shield leadership risk
Covers management liability for security breaches, investor disputes, and regulatory investigations
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Trusted By 1500+ Enterprises
Join brands who trust CoverBizz to protect their direct-to-consumer success
01
Transit loss, theft & tampering
Damaged parcels, missing shipments, pilferage, and broken seals across lanes.
02
Warehouse fire, water leakage & stock spoilage
Single incident wiping out fast-moving inventory, packaging, and stored finished goods.
03
Product liability & customer injury claims
Allergy reactions, defects, and “caused harm” allegations escalating into legal notices.
04
Cyber fraud, data leaks & payment disputes
Account takeovers, fake COD/returns, chargebacks, and customer data exposure.
05
Vendor & manufacturing quality failures
Batch defects, recall situations, and compliance issues disrupting sales and reputation.
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01
Product Liability Insurance
Essential for customer safety and compliance
02
Cyber & E-commerce Liability
Guard digital storefront and data
03
Inventory & Warehouse Insurance
Protect stock against perils
04
Goods-in-Transit Insurance
Secure deliveries end-to-end
05
Recall & Crisis Management Cover
Manage product withdrawals smoothly
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Professionals Covered
Founders & Executives
D&O and strategic liability protection
IT & Operations Teams
Cyber and system failure coverage
Warehouse & Fulfilment Staff
Workplace injury and equipment breakdown
Logistics Partners
Transit and liability insurance
Customers & End-Users
Product liability protection
Marketing & PR Teams
Recall and crisis management support
Inclusions & Exclusions
Inclusions
Product Liability
Defense costs and settlements for defect claims
Cyber Events
Data breach, DDoS, payment fraud, and BI losses
Transit Damage
Loss or damage of goods during shipment
Inventory Perils
Fire, flood, theft, and equipment breakdown in warehouses
Recall Costs
Logistics, PR, legal fees, and compensation expenses
Exclusions
Wear & Tear
Normal deterioration of inventory and packaging
Inadequate Storage
Losses from poor handling or substandard facilities
War & Terrorism
Excludes state-sponsored or large-scale violent acts
Intentional Mislabeling
Excludes misrepresentation or fraudulent product info
Consequential Losses
Indirect economic losses beyond specified BI limits
Insights & Resources
Guide
D2C Product Recall Playbook 2025
Step-by-step recall procedures for consumer brands.
Blog
5 Pitfalls in E-commerce Security
Avoid data breaches and downtime.
Report
India’s D2C Insurance Landscape
Coverage trends in the ₹2 L cr direct-to-consumer market.
Why Get Insured
Why D2C Brands Should Not Skip Insurance
Clothing Brand Recall
Fashion D2C label managed a ₹6 cr recall cost flawlessly using crisis management cover.
Platform Hack
Subscription box startup recovered ₹1.5 cr in remediation and legal costs under cyber policy.
Transit Theft
Health supplement brand reclaimed ₹40 lakh lost during transit through dedicated goods-in-transit cover.
Leadership Lawsuit
Tech gadget D2C founders defended against investor suit under D&O policy, avoiding personal liability.
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Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
What products require Product Liability Insurance?
All D2C goods, from cosmetics to electronics, need liability cover to defend against customer harm claims.
Is Cyber Insurance necessary for Shopify and WooCommerce stores?
Yes- platform vulnerabilities and payment integrations make cyber cover critical for D2C websites.
Does Recall & Crisis Management cover PR expenses?
Yes- costs for communication, media management, and legal fees during product recalls are included.
Are shipped orders covered if damaged in transit?
Yes- Goods-in-Transit Insurance covers damage, theft, and loss during courier or logistics movement
Can D&O policies protect individual founders?
Yes- D&O cover extends to personal liabilities of directors and officers for management decisions.
Customers Says..
“We ship nationwide and returns are constant. CoverBizz structured transit and warehouse coverage that actually matched our operations.”
Ishita Malhotra Delhi
“They reviewed our earlier policy and pointed out exclusions that could hurt during claims. We corrected it before the next sale season.”
Kunal Shah Ahmedabad
“The best part is clarity- deductibles, limits, add-ons explained in plain language so decisions are easy.”