How to Get US-Based Liability Insurance for Your Overseas Ecommerce Business: A Guide for International Sellers
As an ecommerce seller based outside of the United States but selling into the US, you need to make sure you have US-based business liability insurance to protect your business from legal claims and fulfill Amazon’s (and other ecommerce platforms) seller insurance requirements. However, securing this insurance can be a challenge, as insurance companies may require a US-based address to issue the policy.
Don't worry! Coverdash has you covered. We provide insurance solutions for many small and medium enterprises with US operations, and we're here to help you find the right coverage for your business. In this blog post, we'll outline three options for obtaining a US-based address to get the insurance you need.
Option 1: Use the Address of Your Attorney
If your overseas company has an attorney or law firm representing you in the United States, you may be able to use their address to obtain US-based business liability insurance. This option may be suitable for companies that have an established relationship with a US-based attorney or law firm.
Using the address of your attorney can provide a stable and permanent location for your business to receive important legal documents and correspondence related to your insurance policy. However, it is important to ensure that your attorney is willing to receive your business mail and that they have the appropriate permission to do so.
Option 2: Use the Address of Your 3PL Provider
Another option for obtaining a US-based address for your overseas company is to use the address of your third-party logistics (3PL) provider. A 3PL provider can offer warehousing, shipping, and distribution services for your products in the United States.
Using the address of your 3PL provider can provide a physical location for your business to receive important documents and correspondence related to your insurance policy. As most insurance correspondence is virtual, this will place minimal if any burden on the 3PL provider.
Option 3: Use a Virtual Office Service
A virtual office service is a cost-effective solution for overseas companies that need a US-based address. Virtual office services provide a physical address, mail handling, and telephone answering services for your business. This option can be especially useful for startups and small businesses that do not have a physical presence in the United States.
Using a virtual office service can provide a professional image for your business and allow you to receive important legal documents and correspondence related to your insurance policy.
Obtaining US-based business liability insurance can be a challenge for overseas companies, but there are options available. Using the address of your attorney, 3PL provider, or a virtual office service can provide a US-based address for your business to receive important legal documents and correspondence related to your insurance policy.
Your Ecommerce Insurance Needs
At Coverdash, we understand the unique needs of international ecommerce sellers doing business in the US. Our team of experienced insurance professionals can help you find the right insurance coverage for your business. We offer a range of insurance solutions, including general liability, product liability, and workers' compensation insurance. Contact us today to learn more about how we can help protect your business.