Your insurance needs will vary, of course, if you have employees that are part of production for your online store. If you’re a sole proprietor, you can get a general liability policy for as low as $25 a month, in some cases.
If you’re running your online store from a brick-and-mortar location, you’ll need commercial property insurance. If you’re running your online store from your basement, or from a garage or shed on your property, be advised that your homeowner’s policy may not cover your business activities, especially if there is business equipment involved. If you’re using your personal vehicle for business, you may need a commercial auto policy for that.
If your coverage needs are minor, you may be able to add a “rider” to your home owner’s insurance to cover the items you use for business.