E-Commerce Insurance

E-Commerce Insurance

Comprehensive risk solutions addressing cyber threats, payment fraud, and compliance challenges in digital commerce ecosystems.

Overview

India’s e-commerce sector is one of the world’s fastest-growing digital economies — encompassing B2C marketplaces, D2C brands, quick commerce platforms, B2B trade portals and embedded commerce solutions. Driven by rising smartphone penetration, UPI adoption and expanding logistics networks, the sector is reshaping how India buys, sells and transacts.

But rapid scale introduces acute risks that are unique to digital-native businesses. Platform outages — even brief ones — can trigger revenue losses in the crores and damage hard-won customer relationships. Payment fraud, chargeback abuse and phishing attacks on checkout systems are persistent threats. Marketplace operators face a growing body of liability exposure from third-party sellers whose products cause harm to buyers. Data privacy obligations under India’s Digital Personal Data Protection (DPDP) Act, GDPR for cross-border businesses, and PCI DSS for payment environments create significant regulatory risk.

At Edme, we structure insurance programs specifically for digital-native businesses — built around how they actually operate, not how a traditional insurer imagines they do.

The Edme Edge

  • Cyber Risk & Platform Security Specialists 
  • Marketplace & Platform Liability Coverage 
  • Business Interruption for Digital Platforms 
  • Payment Fraud & Financial Crime Coverage
  • DPDP, GDPR & Regulatory Liability 
  • D2C Brand & Intellectual Property Protection
  • Quick Commerce & Last-Mile Liability

FAQs

  • Cybersecurity & Payment Fraud: Data breaches, ransomware, phishing attacks and online payment fraud targeting checkout systems and customer data
  • Platform Downtime & Business Interruption: Service outages, cloud failures and cyberattack-triggered unavailability causing revenue loss and customer churn
  • Marketplace & Third-Party Seller Liability: Claims arising from defective, counterfeit or harmful products sold by third-party sellers on the platform
  • Regulatory & Data Privacy Compliance: DPDP Act, GDPR and PCI DSS obligations creating regulatory fine and enforcement exposure
  • Payment & Financial Fraud: Chargeback fraud, BEC scams and social engineering attacks targeting finance operations

  • Combating the Pervasive Threat of Cyber Attacks
  • Managing Liability in a Borderless, User-Driven World
  • Ensuring Digital Business Continuity and Uptime
  • Protecting Intellectual Property and Innovation
  • Addressing Sector-Specific Hybrid Risks

Talk To Us

Contact us to get in touch with an industry or risk subject matter expert, learn more about a specific solution or submit a sales/RFP inquiry.

Contact Us

Disclosure

EDME INSURANCE BROKERS LTD. (FORMERLY KNOWN AS ADITYA BIRLA INSURANCE BROKERS LTD.)

Registered Office: 2nd Floor, Privillion, East Wing, Sarkhej - Gandhinagar Highway, Vikram Nagar, Bodakdev, Ahmedabad, Gujarat 380054. IRDAI License Number: 146 | Composite Broker | License Valid till: 9th April, 2027 | CIN: U99999GJ2001PLC062239 Corporate Office: VIOS Tower, 6th floor, Off Eastern Express Highway, Sewri - Chembur Rd, Mumbai – 400037 Telephone: 1800 120 2510 | Website: www.edmeinsurance.com In case of any queries/complaints/grievances, please write to us at care@edmeinsurance.com.