Ecommerce Business Insurance

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Why do e-commerce businesses need insurance?

Every successful e-commerce business strategy includes addressing potential legal hurdles. These are not the same risks that brick-and-mortar businesses face. A physical business might experience a loss if severe weather damages their property. A customer might slip and fall at one of their locations. While insurance covers these claims, online businesses and stores face unique challenges. 

In an industry that is based on trust, online threats can occur every day. It is not uncommon for a business to have website accessibility issues or power outages. Security threats can cause customer data breaches or business interruptions. They can create shipping delays that impact your on-time rates. This can lead to increases in refund requests, negative feedback, and churning. These exposures can cause losses in profits and your customer base. However, with the right insurance, you can mitigate these types of risks.

Mitigating losses to your operation lets you focus on the important things. You can turn your attention to business continuity, growth, and expansion. And, when you are ready to scale, Hiscox offers specialized lines of insurance coverage. 
 

 

Example professions we also insure

Insurance policies available for e-commerce businesses

For most businesses, there are 3 general types of insurance policies to explore. Each of these includes unique protections. You can confidently manage your e-commerce business and take on the right risks.

Risks to e-commerce businesses can come in different forms. In another example, a data breach can expose sensitive information. A customer might then pursue litigation for damages.
 

General Liability Insurance for e-commerce businesses

General liability insurance, is also called commercial general liability (CGL). It protects small businesses against claims that might disrupt normal business operations. Coverage is for medical and defense costs. It also includes coverage for personal and advertising injury and property damage. 

For example, if you are sued for slander, your CGL coverage can protect you. There are many lawsuits in today's business world, which is why Hiscox refines its products to meet our clients' needs. 

Learn more about general liability insurance costs.

At Hiscox, we know there are unique challenges you face. Maybe this is your first business, or you are scaling. Our small business insurance policies can help you mitigate business threats. This lets you focus on the important things. You can get more face time with customers/clients and take that well-earned vacation.

Reasons businesses use Hiscox for insurance include:

  • Claims responsiveness: When reporting covered claims, Hiscox immediately assigns agents to assist you.
  • Commitment to service: Our knowledgeable agents offer the highest standard in customer service. Our customer rating is 4.8/5.
  • Coverage for contracts: Our coverage satisfies the most standard contract insurance requirements.
  • Custom insurance: We specialize in businesses like yours. We can customize policies specific to your risk factors. 
  • Flexible payment options: We offer monthly payment plans (with no fees).
  • Worldwide coverage: Businesses that work globally can file claims through Hiscox. When filing claims, it should be in the U.S., a U.S. Territory or Canada. 
     

Learn more about Hiscox e-commerce business insurance. We encourage courage and help people take the right risks. Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.


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Hiscox Customer Reviews

94%
Hiscox rated 4.8/5
Rated 4.8/5

Vincente, Los Angeles, CA 

“Great customer service on the personal and business side” 

I'm very happy with my experience both personal and business wise with Hiscox

 

James, St. Augustine, FL

“Beyond EASY” 

very convenient and extremely easy. The employees on the telephone are very helpful

 

Dan, St Paul, MN 

“Very helpful and friendly service. Answered all of my questions. I would recommend their services” 

 

Glenda, Fort Worth, TX 

“I will definitely recommend Hiscox to my colleagues.” 

I was completely blown away by the level of quality customer service. I was given a quote based on my needs and was able to complete the process on the first call. 

 

Kevin, Salina, KS

“No Complaints – Hiscox Rocks” 

I appreciated the experience I had with the Hiscox's representative. He was very informative and thorough. He reviewed my policy and answered my questions to my satisfaction. I will be happy to recommend Hiscox's to anyone. Overall my experience was good!

 

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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.