Well Insurance

We specialize in protecting the ecommerce Merchant
(Nobody does it better than WELL Insurance)

Amazon Suspension

The first policy of its kind, Expense Defense is backed by Lloyd’s of London, rated A+ by AM Best and it provides you with benefits immediately following your notice of account suspension from Amazon.

There’s never a “good time” to have your Amazon Seller Central account suspended and the very first thing you can think of is how to get it back up! With Expense Defense you have help right away.

1. Choose from one of several approved Reinstatment Specialists, including our in-house resource

2. Expense Defense will cover the fee, as provided in the level of coverage you select

3. If you’re not back up and selling within 5 days Expense Defense will begin covering your daily expenses as shown on that month’s Profit & Loss statement, including

   • Cost of Goods Sold

   • Payroll

   • Rent

   • Loan Payments

   • Shipping

   • Advertising

   • Professional Fees

   • Insurance

   • Property Taxes

   • Licenses and Subscriptions

   • Utilities

   • Interest Payments

   • Service Agreements

4. Expense Defense will pay up to a full 30 days of expenses

5. It’s a 30 day policy which automatically renews every month

Business General Liability

Business General Liability provides more than slip-and-fall coverage Not all insurance agents are created equally.  Do you have the correct coverage for your Internet Sales Business?

It’s a sad fact of business life today.  People are more sue-happy than ever before and it’s important you know where your exposures are and how best to protect yourself and your assets.

1. If you are sourcing your products from overseas, there are specific certificates you need from your manufacturers to help keep your Products Liability premium as low as possible.

2. Find out the kinds of negligence claims that may affect your business

3. Do you fulfill using FBA or FBM?  Does your agent understand the difference?

4. Is Cyber Liability coverage necessary?

5. Do you have Ocean Marine protection?  Does it cover foreign inland transit?  Warehousing and stock throughput?

6. Are you protecting yourself with a good Executive Liability policy?  You need this if a party alleges that the corporate officers and/or directors did their duties improperly.  There are 3 types of exposures:

   • Directors & Officers Liability</h5

   • Indemnification

   • Corporate Liability

7. Do you have a brick and mortar storefront?  Then you need Business Income coverage