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Agency Blog

3 Reasons Why Insurance Is Important For An Online Business

9/6/2021

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​E-commerce made accessibility and convenience the key considerations in the digital world. The internet became a new marketplace to find all necessities without going to an actual store. Hence, online sellers can reach vast markets without geographical restrictions. Consequently, it also increases the risks of online businesses. 

Yes, there are risks for both traditional and online businesses, but the former has more uncertainties. To add to that, the role of the Internet cannot be overlooked as it carries additional  risks. Thus, here are reasons why purchasing e-commerce business insurance is necessary: 
  1. Online businesses exhibit unique challenges.
    Online businesses experience unique challenges not present in traditional businesses. Therefore, only e-commerce insurance could safeguard the damages that online crime can cause. The two key issues or problems are:

    Business Interruption
    An online business usually collaborates with third-party providers to accommodate all orders. They could assist in packing the orders, shipping the goods, and the like. But when a problem arises, the profit could decrease.  Getting an e-commerce business insurance helps counter the losses.

    Data Security
    Online businesses usually store customer data that is personal and sensitive. The information is valuable to the business and is kept in a secured database, but breaches could happen. It would cause downtime and loss of profit and customers as well. Having e-commerce business insurance and risk management are important to prevent this from happening.

  2. E-commerce business insurance offers general liability protection.
    Liability protection is necessary. Setting adequate coverage is the best way to maximize the insurance. Additionally, general liability protection safeguards the business from premises and product liability. It means the insurance covers third-party injuries and property damages claims. It also pays expenses incurred from defective products and litigation costs. 

  3. E-commerce business offers commercial crime protection.
    Commercial crime protection safeguards the online business from potential harm caused by its employees or third-party providers. Examples of such are fraudulent transactions, loss of inventory, and the like. 

Conclusion
E-commerce business Insurance provides financial protection. Owners can guard themselves against online crimes by purchasing one. It would protect them from unforeseen circumstances and events since the setting entails more risks than traditional ones.

At Brad Spurgeon Insurance Agency Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote.
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Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
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Galveston, TX 77554

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