The landscape of online selling moves fast. One day you’re optimizing a listing on Amazon, the next you’re managing a viral surge from TikTok Shop, all while keeping your Shopify store and Walmart Marketplace dashboard humming.
But as your reach expands, so does your risk. At WELL Insurance, we don't just see ourselves as your insurance agency; we see ourselves as your partners in growth. We specialize in the two pillars that keep an eCommerce business upright: Commercial General Liability (CGL) and Ocean Cargo Coverage. 
The "Big Three" and the Liability Loophole
Whether you’re a seasoned pro or a rising star on social commerce, the platforms you sell on have strict rules.
- Amazon: If you cross the $10,000/month threshold, Amazon requires a CGL policy with at least $1 million in coverage, naming them as an "Additional Insured."
- TikTok Shop: With its explosive growth in 2026, TikTok is no longer just for Gen Z—it’s a massive revenue driver. But social commerce brings unique "Advertising Injury" risks and high-volume shipping demands.
- Walmart & Shopify: Each has its own set of standards, but the core remains the same: Product Liability.
If a customer claims a product you sold caused them injury or property damage, a standard CGL policy is your first line of defense. Without it, a single lawsuit could not only de-platform you but potentially wipe out your personal assets.
Ocean Cargo: Protecting Your Investment Before It Reaches the Warehouse
Most sellers focus on the "last mile"—the delivery to the customer. But what about the thousands of miles across the ocean?
If you are importing goods from overseas, Ocean Cargo Insurance is non-negotiable. Many sellers mistakenly believe their freight forwarder’s "carrier liability" is enough. In reality, carrier liability is often limited to a few dollars per pound—a fraction of your inventory's actual value.
Why Ocean Cargo Coverage is Vital in 2026:
- General Average: This is an ancient maritime law that still applies today. If a ship encounters a crisis and cargo is jettisoned to save the vessel, every cargo owner on that ship shares the cost of the loss. Cargo insurance protects you from having to pay out of pocket for someone else's lost containers.
- Supply Chain Volatility: From port strikes to unpredictable weather, the journey from factory to 3PL is full of "what-ifs."
- Full Value Protection: Unlike carrier liability, our Ocean Cargo policies cover the full invoice value plus freight costs, ensuring that a lost shipment doesn't mean a lost year of profit.
The WELL Insurance Difference
We aren't a "generalist" agency that happens to write a few business policies. We were founded specifically to serve the eCommerce community. We understand the difference between a private label seller and a dropshipper. We know what a "COI" needs to look like for Amazon’s Compliance department, and we know how to scale your coverage as you expand from one platform to five.
Expert Tip: Don't wait for a compliance flag or a lost shipment to realize you're underinsured. Insurance isn't just a "cost of doing business"—it's the armor that lets you scale with confidence.
Ready to secure your store? Whether you’re navigating the intricacies of TikTok Shop or importing your next best-seller, let’s make sure you’re covered from port to porch