Reseller Business Insurance

small business owner protected by Reseller Business Insurance

Sell Confidently With Reseller Business Insurance

Whether you’re drop-shipping products or consigning jewelry to local boutiques, our reseller business insurance can help protect your company every step of the way.
 
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small business owner protected by Reseller Business Insurance

Why Do You Need Reseller Business Insurance?

We know running a reselling business is hard work. You have to keep up with customer orders and maintain inventory, while also dealing with the unique risks of the retail industry. Reseller business insurance can help protect your operations, so you can focus on fulfilling orders and growing your company. Without business insurance protection, your reseller business could be at risk for costly claims.
small business protected by consignment insurance

Who Needs Reseller Business Insurance?

Many types of retail businesses can benefit from insurance coverage, including:
 
small business owner protected by consignment store insurance

What Type of Insurance Do I Need for a Reseller Business?

Many resale operators have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It can help safeguard you and your business from a wide variety of risks.
A BOP combines three essential types of coverage into a single policy to help protect your reseller business from claims of bodily injury or property damage:
 
General liability insurance helps protect your reselling business from claims that it caused bodily injury or property damage to someone else.
 
Commercial property insurance helps protect your owned or rented buildings, as well as tools, equipment, inventory and supplies that you use to operate as a reseller. This can include your:
 
  • Warehouse
  • Products
  • Computers
  • Printers
  • Shipping boxes
  • Shelves
Business income insurance helps replace your lost income if you can't operate your reselling business because of property damage from wind, fire or theft.
 
It's important to remember that a BOP won't cover every kind of risk your business faces. You may need other coverages to get more protection, such as workers' compensation insurance if you have employees.
 
 

How Much Does Reseller Business Insurance Cost? 

The cost of reseller business insurance varies because each operation is different and has unique coverage needs. Here are the average costs that The Hartford's customers in this industry pay for some of the most popular coverages:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
business owner protected by insurance for reseller business

Proof of Insurance – Ready When You Need It

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Covering Your Operations

A lot goes into running a successful reseller business. Whether it's managing inventory or fulfilling orders, a smooth, efficient operation is essential. Protecting your business with insurance coverage helps you better respond to the unexpected.
The median loss from business email compromises in 2023 was about $50,000.2
Data breach insurance for resellers

Data Breach Insurance

“My sales manager thought she got an email from our payment company about an issue with our account. She clicked a link and logged in and realized it was a scam. I found out the hackers took my customers' contact and payment information.”
 
Data breach insurance helps your reselling business respond to a breach if personally identifiable information (PII) gets lost or stolen. Some insurers call this coverage, "cyber insurance."
General Liability Insurance for resellers

General Liability Insurance

“One of my sales associates was at a thrift shop looking for new products for our online store. He bumped into a shelf and broke a number of their vases.”
 
General liability insurance helps cover claims that your business damaged someone else's property.

Taking Care of Your Team

Your employees have a key role in the success of your reselling business. But what would happen if they got hurt or sick from their work? The right type of reseller insurance coverage can help protect your employees on the job.
In 2022, there were more than 2.8 million worker injuries at private businesses.3
workers' compensation Insurance for resellers

Workers’ Compensation Insurance

“My warehouse foreman was using a forklift to move inventory when he crashed into a shelving unit. He went to an urgent care center, and they diagnosed him with whiplash.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can cover medical bills and replace lost wages while they heal. With The Hartford, your team also has access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto Insurance for resellers

Commercial Auto Insurance

“While picking up a shipment of vintage furniture, our delivery truck was rear-ended. The truck was totaled, and the furniture we were carrying was damaged.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Protecting Your Property

The inventory you store, the equipment you use and the spaces you work from are critical to your business. With the right coverage, you can help protect your business' property from damages or theft.
Fire departments respond to an average of 1,450 structure fires in warehouse properties annually in the U.S.4
Business Income Insurance for resellers

Business Income Insurance

“A fire broke out in my warehouse. Thankfully, the firefighters got it quickly under control, but I ended up losing some of my inventory and had to cancel those orders.”
 
Business income insurance helps cover the costs of ongoing expenses, like rent, payroll and utilities if you can't operate because of property damage.
commercial property coverage for resellers

Commercial Property Insurance

“Someone broke into our building, destroyed our computers and stole an entire shelf of products.”
 
Commercial property insurance can help cover your costs to repair or replace damaged or stolen property.

Reseller Business Insurance Made for Businesses Like Yours

We're an insurance company with more than 200 years of experience. We understand the distinct challenges reseller businesses face, whether it's product loss or data breaches. That’s why we offer insurance solutions designed to help protect you and your operations from everyday risks.
 
Find out more about other businesses we insure:
 

Frequently Asked Questions About Reseller Business Insurance

Reseller business insurance is made up of different types of coverage to help protect your business from various claims. These risks are common and can come up during normal operations. For example, if you run a vintage clothing resale business, and a customer trips and falls in your store, reseller business insurance can help cover the associated legal and medical costs. You can also get other types of insurance to help cover claims from a data breach or car accident.
Your reseller business needs insurance because it helps cover the costs of claims made against your business. Without coverage, you'd have to pay out of pocket, which can be expensive and puts your reselling business at financial risk.
small business owner protected by insurance for online resale and consignments

Get Reseller Business Insurance Today

Get the protection you need to help your reseller business flourish.
 
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Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Verizon, "Key Insights for Small and Midsize Businesses from the 2024 DBIR"
 
3 U.S. Bureau of Labor Statistics, “Injuries, Illnesses and Fatalities”
 
4 National Fire Protection Association, "Warehouse Structure Fires"
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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