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As an online retailer you will most likely be transacting with multiple customers
from all around the world. This is an advantage for an e-commerce business
however, this can also attract more risks. It's crucial that you are covered by an
eCommerce specific product liability insurance so that you have peace of mind
that you don't fall into any traps. We can also help you protect your business
from theft, product loss, cyber security and damages.


If you import a product you are deemed the manufacturer and need to protect yourself against negligence. Product Liability insurance is an important consideration for any business that supplies or distributes products in Australia.
Claims arising from personal injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance, you could find yourself in hot water. You will potentially be exposed to personal liability for personal injury or property damage claims, meaning a Product Liability claim could seriously affect your personal assets.
Whether your stock is held in a 3PL, warehouse or in a shipping container at a premises could you afford to loss that stock from storm or theft?
If your business stock is damaged, destroyed or stolen stock insurance can provide protection for you and your business. We can protect the loss in profits and business interruption if your stock is destroyed.
Generally, the value of the stock insured is your cost of the stock – not the price you are selling the stock for.


Cyber insurance can help cover financial losses to your business, your customers and other parties following a cyber security breach. This includes, business interruption, data loss, confidentiality, media liability and much more
Goods in Transit insurance means you are covered for any loss from the good that are in your care. The aim of Goods in Transit insurance is to protect buyers and sellers who are exposed to financial loss if this property is lost, damaged, or destroyed while off premises and in transit.

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The Rynja Pty Ltd ABN 82 644 419 572, trading as Pivotal Insurance Brokers, is an Authorised Representative (No. 001283875) of A'Vant Guard Financial Group Pty Ltd ABN 37 132 645 526, AFSL 544749, trading as Better Broker Network.