All answers / Cost
How much is online retailer insurance in NZ?
Indicative $105–$320 per month for the 4 main covers a NZ online retailer / e-commerce typically carries, taken together. Individual covers start from around $20/month.
Indicative only — not a quote. Risk: product-injury claim, data breach, warehouse fire, supplier failure. E-commerce-only operators still need PL because of product exposure.
Indicative cost by cover
The combined figure above adds the low and high of the 4 rows below that carry a monthly price. Figures are indicative, not quotes.
| Cover | Indicative / month | Typical limit |
|---|---|---|
| Public Liability (incl. Products) | $20–$60 | $1M–$5M |
| Cyber Insurance | $30–$100 | $500K–$2M |
| Business Contents (incl. Stock) | $25–$80 | Stock value |
| Business Interruption (optional) | $30–$80 | 12-month indemnity |
What each cover is for
- Public Liability (incl. Products): Products liability for the items you sell or distribute.
- Cyber Insurance: Card-payment PCI-DSS exposure + Privacy Act 2020 notification.
- Business Contents (incl. Stock): Warehouse + stock cover. Theft, fire, flood.
- Business Interruption (optional): Loss of revenue from warehouse fire or platform downtime.
Is this a quote?
No. Every figure on this page is an indicative range published to help you budget. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126), a separately licensed FAP, who provide the regulated advice and place the cover. Your premium is set by the insurer once your business is assessed.
Indicative figures last reviewed 21 September 2026.