Find insurance that meets the needs of online sellers

Cover review

• Goods you sell Excludes children's toys and used electricals; new electricals and cosmetics only if UK or EU made
• Stock made outside the UK and EU Cover rests on all goods coming from UK or EU makers; claims for other stock can be refused
• Claims after you stop trading Injury or damage that happened while you were insured is covered, whenever the claim is made
• Marketplaces you sell through A selling platform is indemnified only where you complete work for it under a contract
• Product recalls and refunds The cost of recalling, repairing or replacing faulty goods is not paid
• Sales to the USA and Canada Goods you knowingly export to the USA or Canada are excluded
• Excess levels £250 on damage to property and £100 on damage to hired premises; no excess on injury claims

Obligations review

• Report claims in writing Tell Markel in writing as soon as you know of a claim or an incident that could lead to one. If not, claims can be reduced or declined.
• Describe your business accurately Tell Markel you sell clothing and check it accepts your business. If not, claims can be declined.

Cover review

• Goods you sellInjury or damage caused by any goods you sell or supply, with no restriction on product type
• Imported stock Goods sold from the UK are covered wherever the harm happens, including stock you import
• Claims after you stop trading Injury or damage that happened while you were insured is covered, whenever the claim is made
• Product recalls and refunds The cost of recalling, replacing or refunding faulty goods is not paid
• Sales to the USA and Canada Goods you knowingly export to the USA or Canada are excluded unless Direct Line agrees
• Customer data claims Compensation claims covered up to £500,000 in total; claims from lost or stolen data are excluded
• Excess levels £100 on damage to property; no excess on injury claims

Obligations review

• Data protection fee Register with the ICO and pay the data protection fee. If not, customer data compensation claims are not paid.
• Self-employed helpers If a self-employed person works at your premises, keep a copy of their own public liability certificate. If not, claims can be declined.

Cover review

• Goods you sell Injury or damage caused by goods you sell, apart from products on CFC's excluded list
• Imported stockInjury or damage caused by any product you sell is covered, including stock you import
• Claims after you stop trading Injury or damage first occurring while you were insured is covered, whenever the claim is made
• Marketplaces you sell through A platform you agree in writing to indemnify is covered for claims caused solely by you
• Product recalls and refunds The cost of recalling, repairing or replacing faulty goods is not paid
• Customer data and cyber events Claims arising from a cyber event, such as a hacked website or account, are excluded

Obligations review

• Check the excluded products list Ask CFC for its excluded products list and check nothing you sell is on it. If not, claims for those products are not covered.
• Agree legal costs first Get the claims managers' written agreement before spending on legal costs. If not, those costs are not paid.

Cover review

• Goods you sell Injury or damage caused by any goods you sell or supply, with no restriction on product type
• Water-repellent and stain-resistant finishes Claims connected with PFAS chemicals, used in some coatings, textiles and cosmetics, are excluded
• Imported stock Goods you sell are covered with no restriction on where they were made
• Claims after you stop trading Injury or damage that happened while you were insured is covered, whenever the claim is made
• Product recalls and refunds The cost of recalling, repairing or replacing faulty goods is not paid
• Goods that cause harm abroad Cover is for the UK only; injury or damage caused by your goods outside the UK is excluded
• Customer data claims Claims arising from customers' personal data are excluded

Obligations review

• Report injuries within seven days Tell Hiscox about any injury claim or incident within seven days. If not, the claim can be declined.
• Put faulty goods rightTake reasonable steps, at your own cost, to put right any defect in goods you have sold. If not, claims can be declined.
• Check what you sell is not excluded Drones and aerial devices, powered vehicles such as e-scooters and e-bikes, implanted medical devices, tobacco and vapes are not covered.