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Ecommerce business insurance

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

                              0800 376 304

What insurance should online retailers consider?

With more people shopping online than ever before, 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

  • Product liability cover    

    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. 

  • New Zealand-wide cover 

  • Other options 

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

Additional cover we can arrange

Product 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.

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Product and services

Cybersecurity insurance

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

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Product 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.

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Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront 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.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year 2022 and 2023 at the New Zealand Insurance Industry Awards

Tailored and competitive

Our brokers will do the groundwork to arrange the most comprehensive and competitive cover, tailored to your business.

Monthly payment options

You can choose to pay your premiums in monthly instalments to suit – and improve – your business cash flow.

Why use a broker?

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

female insurance broker talking to clients

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.

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.

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, or learn more about premium funding here.

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.

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Related insurance solutions

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Business insurance

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


Management liability cover

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


Professional indemnity

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

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 interruption cover

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

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.  

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