What Does Product Liability Insurance Cover?
Product liability insurance covers your business from having to pay the full cost
Whether you sell it, source it, or wholesale it, we protect your eBay store with every sale.
eBay seller insurance is small business liability insurance designed to protect sellers from claims related to the products they list online.
eBay’s Seller Protection program only covers issues like payment disputes or items not received. It does not act as insurance. That’s why Insurance Canopy offers eBay seller protection insurance that helps cover:
eBay doesn’t step in if a product causes injury or damage — but you don’t have to face that risk alone. With liability insurance, you can keep your business protected from costly claims, lawsuits, and gray area seller protections with your products.
✔️ Protect your shop: Helps cover claims for injuries, property damage, or legal defense
✔️ Beyond eBay protection: Coverage follows you to pop-ups, craft fairs, and other online shops
✔️ Peace of mind: Focus on sourcing, shipping, and selling while your insurance covers the risks
✔️ Flexibility: Coverage extends to refurbished, collectible, or resale items you didn’t make yourself
Most eBay sellers pay an average of $116/month or less for liability insurance from Insurance Canopy.
Your price depends on factors like:
Each policy is crafted to your business, so you only pay for what you need!
Insurance for eBay sellers from Insurance Canopy includes key coverages to protect your shop from unexpected claims. It includes $2 million in general and product liability coverage and customizable add-ons.
While there are no specific eBay seller insurance requirements, our team of licensed agents will help you secure a policy tailored to your needs. This allows you to expand your sales to other platforms and grow your business with peace of mind.
Included
General Liability Insurance is designed to cover third-party injuries or property damage caused by your business activities. This can include a customer tripping while picking up a large item locally, or someone being injured at a flea market or trade show where you also sell inventory.
Product Liability Insurance helps cover claims of injuries or damages caused by the products you sell, even if something is refurbished, secondhand, or vintage. Examples include a battery overheating in a used laptop, a used appliance sparking a fire, or jewelry causing a skin reaction.
Recommended Add-ons
Product Recall Insurance helps cover the costs of pulling unsafe, faulty, or non-compliant products off your listings and out of customers’ hands. This coverage helps with buyer notifications, shipping and return logistics, and safe product disposal. While it doesn’t replace lost revenue, it can keep a recall from draining your profits or damaging your seller reputation.
Cyber Liability Insurance helps you recover if your payment info is hacked, buyer data is stolen, or a phishing attack compromises your login. Coverage can include notifying customers, paying for credit monitoring, and restoring stolen data.
Inland Marine Insurance helps protect your products, inventory, and gear while they’re in transit or storage. Coverage can extend to shipping packages to buyers, storing stock in a warehouse, or transporting items to an antique show.
Workers Compensation Insurance helps cover medical bills and lost wages if employees are injured on the job. Most states require this coverage if you have hired employees (not including you), even part-time.
The Amendment of Coverage Territory endorsement extends your liability protection to claims outside the U.S. Because eBay is one of the most global marketplaces out there, this coverage is ideal if you ship products to customers overseas.
From online resellers to indie brands, over 135,000 businesses trust us to protect their products, customers, and peace of mind.
✅ eBay-friendly liability coverage
✅ Quick online application
✅ Custom quotes and proof of insurance within 24 hours
✅ Licensed, U.S.-based support
Thank you so much
Steve MonrealI needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie CalawayVery easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert EarnestI am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris PachecoVery easy to renew policy
Elyce NissinoffRepresentative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiamWould have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony BurgessVery user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael RileyNeeded DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay SolisWhat a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanovgreat little company, with fair pricing, for entertainers who need occasional coverage.however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje AngellProvides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David FoxThey can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazareverything is excellent
Radames MartinezExtremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan ArvinAffordable for dance & yoga folk. Thumbs up!
Maia ClaireAffordable. Thank you.
Ana YoungFor me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly MulderI'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew TerryCanopy insurance has covered my DJ business for several years and I am totally satisfied with their services.Thank you DjVic🎧
DjVic Universal SoundsI have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John CorkinsI was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTEROGreat for Event Insurance - most affordable
Gaby NobregaI have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice LapointeTLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed LevittAs a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie WilliamsThis insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony FelixRepresentative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John BWas waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad LaiblyThank you so much
Steve MonrealI needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie CalawayVery easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert EarnestI am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris PachecoVery easy to renew policy
Elyce NissinoffRepresentative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiamWould have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony BurgessVery user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael RileyNeeded DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay SolisWhat a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha RusanovYes, eBay sellers need product liability insurance because they’re still legally responsible for the products they sell. Product liability insurance helps cover lawsuits, medical bills, or damages caused by your items.
Even if eBay doesn’t have eBay seller insurance requirements, our policy can meet Amazon requirements and keep you safe when selling on sites like Etsy or Facebook Marketplace.
eBay insurance does not cover your own lost revenue, intentional misconduct, or non-physical issues like late shipping. It also does not cover products intended for children or infants.
Yes, an eBay seller insurance policy with Insurance Canopy can cover refurbished, secondhand, and vintage products. Keep in mind, certain categories (like electronics or medical devices) may be considered higher risk and come with higher premiums.
Yes, you can use the same policy to cover pop-ups, fairs, or other sites. Your coverage follows you to almost any location you choose to sell, so you can have continuous peace of mind wherever you work.
Product liability insurance covers your business from having to pay the full cost
Product liability insurance helps cover claims related to physical damages caused by products
Trying to navigate the roads of product liability insurance can feel like navigating
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Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.
Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.