E-Commerce Store Insurance Cost

Because selling a physical product creates product liability exposure even without a storefront. If a customer is hurt by something you shipped, that claim runs through your GL policy, which is why e-commerce sits at roughly 1.4x the base office rate rather than the 1.0x floor.

Yes, as the seller of record you carry some liability even for products made by someone else, though it's generally smaller than the manufacturer's own exposure. Carriers price that into the e-commerce multiplier.

Often, yes. Sellers who private-label or import from overseas suppliers tend to draw more underwriting scrutiny than those reselling established, already-insured brands, since there's less of a paper trail on product testing and liability history.

A $1 million per occurrence and $2 million aggregate limit is the common baseline, similar to most small business GL policies. Higher-revenue sellers or those in higher-risk categories (like supplements or children's products) sometimes need more.