Common questions about E-commerce and online retailers
Answering the most frequently asked questions about E-commerce and online retailers.
What’s my biggest exposure?Gravity Certs2026-08-17T23:08:41-04:00
Cyber. Your platform holds card data and is the primary target and the primary liability route.
Is platform suspension covered?Gravity Certs2026-08-17T23:08:41-04:00
Generally no. Business interruption requires physical damage.
Am I liable for products I dropship?Gravity Certs2026-08-17T23:08:40-04:00
Yes. Being the seller of record places you in the chain of distribution.
Is my inventory covered at a third-party warehouse?Gravity Certs2026-08-17T23:08:40-04:00
Only with inland marine or off-premises stock coverage.
Do I need insurance without a storefront?Gravity Certs2026-08-17T23:08:39-04:00
Yes. Product and cyber exposure are fully intact, and marketplaces and payment processors often require it.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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