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Insurance for Marketplaces, Built for Platform Trust

Protect multi-party transactions, trust-and-safety workflows, platform performance, and leadership decisions as your marketplace scales.

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Why Marketplace Companies NeedCoverage Built for Buyers, Sellers, and Platform Risk

Multi-party liability

Buyers, sellers, service providers, brands, and partners can all name the platform when something goes wrong.

Trust and safety

Screening, verification, moderation, and onboarding decisions can become claims after a high-profile incident.

Platform dependence

Outages, ranking changes, listing errors, and payment issues can directly affect user income and operations.

Common Risk Triggers for Marketplaces: Trust and Safety, Seller Requirements, and User-to-User Claims

The enterprise seller

Insurance Packages That Slot Perfectly Into Marketplace Companies

Pre-Seed & Seed

Core protection for you and your product

Policies included in this package:

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Series A

Protects you, your board, and helps you close bigger deals

Policies included in this package:

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Growth Stage

Protection for leadership risk, transactions, and scale

Policies included in this package:

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Custom Package

Know exactly what you need?

Pick the policies that fit your business best

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Core Insurance Packages for Marketplace Companies

From user-to-user incidents to transaction fraud, these policies help marketplace teams protect platform trust, customer data, leadership, employees, and operations.

Commercial General Liability (CGL)
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Commercial General Liability (CGL)

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.

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Cyber Liability
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Cyber Liability

Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.

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Tech & AI Liability
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Tech & AI Liability

Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.

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Directors & Officers
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Directors & Officers

Covers claims made against company leaders for alleged wrongful acts in managing the business.

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Employment Practices Liability (EPLI)
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Employment Practices Liability (EPLI)

Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.

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Fiduciary Liability
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Fiduciary Liability

Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.

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Media Liability
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Media Liability

Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.

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Hired and Non-Owned Auto (HNOA)
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Hired and Non-Owned Auto (HNOA)

Provides liability coverage when employees use rented or personal vehicles for company business.

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Marketplace Claims ScenariosUser Disputes, Moderation Mistakes, and Contractor Claims

The negligent referral

A service provider causes property damage during a booked job, and the buyer alleges poor platform screening.

The automated ban

A high-volume seller is incorrectly suspended and brings a claim for lost income and reputational harm.

The classification lawsuit

A group of contractors alleges misclassification and seeks damages, benefits, and legal fees.

Explore Our Services by Industry

FAQ

Marketplace startups need Technology Errors & Omissions (E&O) for platform performance claims, Cyber Liability for user data protection, General Liability for bodily injury and property damage connected to platform transactions, and Directors & Officers (D&O) insurance. With Corgi, platforms facilitating payments should also consider Crime/Fidelity coverage for transaction fraud.
Trust and safety coverage protects marketplace platforms from claims arising from user interactions facilitated by the platform. This includes allegations of negligent screening or vetting of providers, failure to moderate harmful content, inadequate identity verification, and liability when a transaction leads to injury, property damage, or financial loss for a user. Corgi's marketplace package is built for that multi-party exposure.
Yes. As marketplaces scale, requiring sellers or service providers to carry their own insurance reduces platform exposure. Many enterprise sellers and brands also require the platform to name them as Additional Insured on your Corgi policy. Structuring these requirements early helps manage risk as your supply side grows.
Marketplace platforms need cyber coverage for user data breaches across both sides of the marketplace, payment card data protection under PCI-DSS, account takeover and credential theft incidents, and business interruption from platform outages. Platforms handling sensitive user information like identity documents or financial data need Corgi's higher coverage limits.
General liability for marketplaces covers bodily injury and property damage claims connected to platform-facilitated transactions. Unlike traditional businesses, marketplace GL must account for vicarious liability when a user is harmed by a service provider the platform matched them with. Corgi structures coverage to address the unique multi-party nature of marketplace claims.
Trust-and-safety incidents, including harassment between users, content moderation failures, fraudulent listings, and disputes over completed transactions, typically draw on General Liability for bodily injury and property damage and Media Liability for defamation, IP, and content-moderation claims. Standard policies often exclude these without a marketplace-specific endorsement. Corgi writes platform coverage with affirmative trust-and-safety wording so the gap doesn't surprise you mid-incident.
Plaintiffs routinely name the platform alongside the individual user when something goes wrong, even when the platform didn't directly cause the harm. Defending those claims falls under General Liability and, when the allegation involves content or speech, Media Liability. Section 230 helps in the U.S. but is not a substitute for insurance. You still pay defense costs, and Corgi structures coverage to absorb them.
Effectively yes: the platform's own policy needs to respond to claims from either side. Most marketplaces also require sellers or service providers to carry their own insurance once they reach a certain volume, and to name the platform as Additional Insured. That structure pushes supply-side risk back to providers while the platform retains the catastrophic and brand-level exposure. Corgi helps design that hybrid risk allocation as part of placement.
Digital-goods platforms lean heavier on cyber, media liability, and Tech E&O because the product is information and access. Physical-goods marketplaces add Product Liability inside General Liability and frequently need Hired & Non-Owned Auto when delivery, drivers, or warehousing are involved. The COI you'll be asked for from enterprise sellers also looks different. Corgi tunes the structure to match.

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