If you run an ecommerce business you should have appropriate liability insurance in place to defend yourself against claims for damages or injury to your customers that are found to be directly or indirectly caused by your online business activities.
While an ecommerce business does not face the same risks as a bricks and mortar store, there is still the potential for customers to sue you for negligence if they suffer injury or losses when dealing with your business. The types of risks that ecommerce sites face fall into three main categories: cyber liability, product liability, breaches of privacy and professional liability:
Having suitable liability and cyber insurance in place can protect your ecommerce business against legal action from customers and other third parties that claim to have suffered injury, property or other damage as a result of your business activities. This insurance can pay your legal costs in defending yourself against these claims as well as covering any compensation costs that are ordered against you by a court if you are found liable. Cyber coverage may also be able to include negotiating with hackers on your behalf, payment of demands from hackers and fines.
Public liability insurance in Australia typically provides self-employed ecommerce business cover on for
Compare ecommerce public liability insurance from a range of leading insurers with the help of our liability brokers.
List of insurers we may compare public liability policies for ecommerce businesses:
We do not typically compare all the above insurers for the one client, or all products offered by all the insurers. Depending on the ecommerce business activities we will typically compare between 0-8 insurers.
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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.
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.