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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

    What Keeps E-Commerce Teams Up at Night?

    Top 5 Current Risks

    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

    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

    How CoverBizz Keeps Your Digital Retail Business Thriving

    Most Bought Insurance

    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

    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.

    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
    Simran Kaur Delhi
    “They helped us fix underinsurance during peak inventory months with a clean declaration process.”
    Harsh Shah
    Harsh Shah Ahmedabad
    “Servicing is strong, fast responses and clear comparisons across insurers, especially during renewals.”
    Rohit
    Rohit Jaipur

    Your online storefront never sleeps - and neither do the risks.
    From cyber attacks to lost parcels, every click and cart carries potential hazards. Secure your digital retail dream with insurance that moves as fast as your sales

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