eBay Seller Insurance
4.8/5 on
- Get coverage for product-related claims tied to your online storefront
- Protect refurbished, new, handmade, and collectible items
- Sell confidently with coverage you can scale as you grow
What Is eBay Seller Insurance?
eBay seller insurance is a type of ecommerce business insurance designed to protect sellers from claims related to the products they list online — coverage standard eBay Seller Protections don’t provide.
While eBay Seller Protections may be able to end a payment dispute or wipe an unfair review, they don’t respond to expensive claims and lawsuits tied to the products you sell.
That’s why Insurance Canopy offers eBay seller insurance to help cover:
- Product-related injuries and property damage
- Third-party medical bills and legal defense costs
- Claims tied to refurbished, vintage, handmade, or collectible items
- Claims related to sales made on multiple platforms (Amazon, Etsy, Shopify, and more)
Online sellers can be held liable for injuries and property damage tied to the products they sell, even if they didn’t manufacture them. eBay seller insurance is designed to protect small businesses from product liability lawsuits and claims, so they can worry less and sell more.
Who Needs eBay Seller Insurance?
Whether you’re reselling vintage collectibles, importing items from overseas, or making things by hand, you need eBay seller insurance if you’re selling physical products through online marketplaces and auction sites. Online sellers face product liability risks regardless of whether they manufacture what’s on their virtual shelves.
You need online retailer insurance if you’re selling physical products like:
- Handmade Beauty Products
- Refurbished or Used Goods
- Vintage Homeware
- Collectibles & Memorabilia
- Jewelry & Accessories
- White-Label or Dropshipped Products
Whether you sell only on eBay or across several marketplaces, eBay seller insurance can help protect your business from product-related claims.
Why Do Online Sellers Need eBay Seller Insurance?
eBay doesn’t require sellers to carry insurance, but eBay Seller Protections don’t step in if a product you sold causes injury or property damage — that’s the gap eBay seller insurance fills. With product liability insurance, you’re not alone in defending your business from costly claims and lawsuits tied to your sales.
Protect your shop: eBay seller insurance is designed to protect you against covered claims for injuries and property damage, plus legal fees tied to those claims
Support that travels: Coverage can follow you to pop-ups, craft fairs, and other online shops and marketplaces beyond eBay
Flexibility: Coverage can extend to refurbished, collectible, or resale items you didn’t make yourself
Guard customer data: Data breaches and cyberattacks can affect even small online shops, but optional cyber liability coverage helps cover the fallout
Peace of mind: Focus on sourcing and selling with insurance coverage that easily scales as you grow
Dig Deeper: Learn more about how product liability coverage can protect your online shop with our guide to product liability insurance.
How Much Does Liability Insurance for eBay Sellers Cost?
Most online sellers pay an average of $116 per month or less for eBay seller liability insurance from Insurance Canopy.
Each policy is tailored specifically to your business, so you only pay for the coverages you need. The cost of your eBay liability insurance depends on:
Annual Revenue: Higher sales volume increases risks, which can raise your premium cost
Product Type: High-risk or high-value items, like electronics or jewelry, may cost more to cover
Sales Platform: Selling on platforms with stricter insurance requirements can mean paying for more coverage
Claims History: Previous claims may signal a higher risk, which can impact your rate
Desired Coverage Limits: Like any upgrade, increasing limits or adding extra coverage comes with additional costs
Business Operations: Whether you dropship, warehouse, or private label affects your overall coverage needs and costs
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I 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 Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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.
queenkiam
June 18, 2025Would 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 Burgess
June 18, 2025 -
Very 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 Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What 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 Rusanov
June 18, 2025 -
great 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 Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Get custom coverage for your online business with a fast application, quick turnaround, and licensed support whenever you need it.
eBay Seller Insurance Coverages for Small Businesses
Insurance Canopy offers core product business insurance and customizable add-ons to meet your specific needs. Our reseller business insurance includes general liability and product liability insurance, with up to $1 million in coverage per claim and $2 million total per policy year.
Looking for extra protection? Our licensed agents can help you customize your plan with higher limits and add-on coverages tailored to your business model.
General liability insurance is built to cover third-party injury or damage claims that are not directly caused by your products, like if someone slips while picking up an order from your home office or at an in-person event. It can also help with legal costs if you’re ever accused of advertising injury, like libel or slander.
Product liability insurance is designed to protect you from claims related to the products you sell, even if you didn’t manufacture them. If a customer claims something you sold caused an injury or property damage, this coverage can help pay for legal defense, medical bills, and settlements.
Product recall insurance: Helps you act fast if something needs to be pulled from the market
Commercial property insurance: Made to protect the space and equipment you rely on for operations
Workers compensation insurance: Designed to cover medical bills, lost wages, and recovery costs if someone’s hurt on the job — legally required in most states if your business has employees
Inland marine insurance: Helps protect tools, equipment, and inventory while on the move or off-site
Cyber liability insurance: Helps cover the fallout from cyberattacks and data breaches
Errors and Omissions (E&O) insurance: Can protect your business if a product recommendation, advice, or service mistake costs a client money
Amendment of Coverage Territory endorsement: Extends coverage worldwide for claims outside the U.S., which helps if your products sell internationally or reach overseas customers
Primary & non-contributory endorsement: Ensures your policy pays first on a claim, before anyone else’s — often required when other businesses want your coverage to apply before theirs
Waiver of subrogation: Commonly requested to keep business relationships smooth, it stops your insurer from pursuing a third party to recover claim costs
30-Day cancellation notice: Notifies a third party, usually an additional insured, that your policy will be canceled within 30 days
Seller protection where you need it most.
- Apply online in 10 minutes or less
- Enjoy A+ rated coverage
- Access your online dashboard 24/7 to download your certificate of insurance or add additional insureds
FAQs About Insurance for eBay Sellers
Why Do eBay Sellers Need Insurance if eBay Doesn't Require It?
Although eBay doesn’t require its users to carry insurance, it also doesn’t provide liability protection for sellers. That means eBay sellers can be held liable for product-related claims, like injuries caused by items they sold. eBay seller insurance is designed to fill that gap and protect online sellers against costly claims and lawsuits linked to the products they sell.
Will eBay Seller Insurance Cover Refurbished or Vintage Items?
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.
What Does eBay Seller Insurance Not Cover?
eBay seller insurance does not cover your own lost revenue, intentional misconduct, or non-physical issues like late shipping or bad reviews. It also does not cover products intended for children or infants.
Does eBay Seller Insurance Cover International Sales?
eBay seller insurance is designed to protect against claims tied to international sales if a claim or lawsuit is filed in Canada, the U.S., or Puerto Rico. To protect against suits filed outside of those territories, consider adding the CG2422 worldwide endorsement to your policy or exploring other ways product liability can protect you overseas.
Can I Use the Same Policy if I Also Sell on Amazon, Etsy, or Other Platforms?
Yes, you can use the same eBay seller insurance policy to cover pop-ups, craft fairs, or other online marketplaces. Your coverage follows you to almost any location you choose to sell, so you can have continuous peace of mind wherever you work.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Standard product liability insurance policies typically limit coverage to the U.S., Puerto Rico,
Product liability lawsuits happen when a product causes bodily injury or property damage,
When you sell a product, you’re also taking on responsibility for what happens