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E-Commerce & Digital Retail Industry
Click. Cart. Covered: Insurance for E-Commerce & Digital Retail
From flash sales to full-stack logistics, online retailers face unique perils. Our insurance solutions protect your platform, payments, inventory, and reputation—so you can focus on conversions, not calamities
E-Commerce & Digital Retail Industry
Insurance Products
Cyber & Privacy Insurance
Secure customer data
Covers data breaches, ransomware, business interruption, and regulatory fines under IT Act 2000 and PCI DSS for online platforms
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Goods-in-Transit Insurance
Protect every delivery
Covers in-transit inventory via courier, express parcel, and 3PL partners against loss, damage, and theft across India
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Product Liability & Recall Coverage
Guard against defect risks
Covers legal defense, settlements, and recall costs for defective products causing injury or property damage under Consumer Protection Act 2019
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Warehouse & Fulfilment Centre Insurance
Stock and site protection
Covers storage facilities, inventory, material handling equipment against fire, burglary, flood, and business interruption
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Business Interruption Insurance
Keep sales ticking
Compensates lost revenue and extra expenses when your digital storefront goes down due to cyber, fire, or other covered perils
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Technology E&O Insurance
Coding mistakes covered
Covers API failures, payment gateway errors, platform downtime and professional negligence for digital retail solutions
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Directors & Officers Liability
Shield your leadership
Covers management liability for regulatory investigations, investor disputes, and governance breaches in online retail ventures
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Trusted By 1500+ Enterprises
Join digital retailers who trust CoverBizz to safeguard their growth
01
Cyber Breaches & Platform Hacks
68% of online retailers faced cyber incidents in 2024, average remediation cost ₹2.2 cr
02
Delivery & Transit Losses
23% of parcels damaged or lost en route, affecting customer trust
03
Product Liability & Recalls
Defective goods can trigger costly recalls and litigation under new consumer laws
04
Fulfilment Centre Disasters:
Warehouse fires and floods causing ₹180 cr annual losses across major hubs
05
Platform Downtime & Tech Errors
Even one hour of outage can cost ₹10–15 lakh in lost sales for mid-sized sites
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01
Cyber & Privacy Insurance
Foundation for data and platform security
02
Goods-in-Transit Insurance
Protects shipments end-to-end
03
Product Liability & Recall Coverage
Essential for consumer safety and compliance
04
Warehouse & Fulfilment Centre Insurance
Shields stock and premises
05
Business Interruption Insurance
Revenue protection during outages
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Professionals Covered
E-Commerce Operators
Platform and transaction liability
IT & Dev Teams
Cyber and E&O protection
Logistics & Fulfilment Staff
Transit and warehouse coverage
Customer Service Teams
Reputation and crisis management
Management & Founders
D&O and governance risk
Customers & End-Users
Product liability protection
Inclusions & Exclusions
Inclusions
Cyber & Data Events
Ransomware, data breaches, phishing, and BI losses
Transit Damage
Theft, collision, loading/unloading mishaps for shipped goods
Product Liability & Recall
Defense costs, compensation, and recall logistics
Warehouse Perils
Fire, flood, burglary, and equipment breakdown at fulfilment centres
Tech Failures
API errors, downtime, and professional liability under E&O
Exclusions
Wear & Tear
Normal depreciation of packaging and storage equipment
Improper Packing
Damage due to inadequate packaging or handling
War & Terrorism
Excludes politically motivated or large-scale violent acts
Intentional Acts
Fraudulent or malicious acts by the insured
Consequential Losses
Indirect revenue losses beyond BI limits
Insights & Resources
Guide
E-Commerce Cybersecurity Best Practices 2025
Protect customer data and transactions.
Blog
Top 7 Myths About Transit Insurance
Avoid coverage gaps in your logistics chain.
Report
India’s Digital Retail Insurance Penetration Study
Analysis of coverage levels in the ₹1.2 L cr e-commerce market.
Why Get Insured
Why E-Commerce & Digital Retailers Need Specialized Coverage
Platform Ransomware Response
Online retailer resumed operations in 4 hours using cyber cover to fund incident response.
Parcel Theft Claim
Fashion e-store reclaimed ₹22 lakh lost during transit under goods-in-transit policy.
Product Recall Management
Beauty brand executed a ₹3 cr recall seamlessly with crisis management cover.
Warehouse Fire Recovery
Fulfilment partner rebuilt operations within 2 weeks after warehouse blaze, thanks to BI and property cover.
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Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Does Cyber Insurance cover payment gateway hacks?
Yes, covers breach response, remediation costs, BI, and fines related to compromised payment systems.
Are shipped goods covered if the courier loses them?
Yes, Goods-in-Transit Insurance protects against loss or damage during courier or logistics transit.
What triggers a product recall claim?
Defective or harmful products causing consumer injury or regulatory action under the Consumer Protection Act.
Does E&O cover custom app development errors?
Yes, Technology E&O covers professional mistakes in platform, API, and integration development.
Can BI insurance cover cyber-induced downtime?
Yes, Business Interruption Insurance includes revenue losses from system outages due to cyber incidents
Customers Says..
“We had a transit loss issue and didn’t know the right paperwork sequence. CoverBizz guided us end-to-end.”
Simran Kaur Delhi
“They helped us fix underinsurance during peak inventory months with a clean declaration process.”
Harsh Shah Ahmedabad
“Servicing is strong, fast responses and clear comparisons across insurers, especially during renewals.”