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What is Liability Insurance for an Ecommerce business?

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Liability insurance for an ecommerce business is designed to protect you from the risk of legal claims for compensation being made against you when a customer alleges they have suffered injury or damages as a result of your ecommerce business. While it is not a legal requirement, it is vital to carry this type of insurance to protect yourself against unforeseen events that could damage or even destroy your business and, in some cases, even result in you being personally liable for significant financial losses. The increasingly prevalent risk of cyber attacks on ecommerce sites means your customers’ personal and credit card information could be stolen and could result in significant losses. Even with all care taken, the products and services that you sell also have the potential to cause damage or injury to your customers. Having suitable liability insurance in place can protect you against legal claims and cover any damages you need to pay if you are found liable.
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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.

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*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.

General Advice Warning:
The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.

# Copyright© 2024. All rights reserved. www.publicliabilityaustralia.com.au is a website for SMART Business Insurance, a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131. Client reviews featured are for Smart Business Insurance.