E-Commerce Insurance in Texas – TX

If you conduct an e-commerce business, you invest in e-commerce insurance in Texas. e-commerce businesses are extremely common these days and account for more than 3.53 trillion US dollars.

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Similar to running any type of business, big or small, you protect your e-commerce business from failure, which is why you should buy e-commerce business insurance.

E-Commerce Insurance in Texas

Reasons Why Your Online Business Needs Insurance in Texas

There are many reasons why your e-commerce business must have insurance including:

Data Breach and Data Security

Online businesses are prone to a data breach, which occurs when customer information is compromised.

Even if you’re just launching an e-commerce business, you’re likely to store personal customer information.

And it is not the bulk of information you collect, losing even one entry could cause big damages for your company.

A data breach is not prone to your customers but could happen to your employees as well.

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Let’s take a leading company as an example, the organization leaked employee Social Security data in 2014.

This breach weakened customer trust, which affected the company’s brand reputation and loyalty.

If your e-commerce business is not shielded by the latest online security measures, it will hit expensive lawsuits. These lawsuits can cause damage reputation-wise, and monetarily.

You will probably not have the cash to settle these lawsuits, which is why you need eCommerce business insurance.

DDoS Attacks

Have you had a rise in traffic to your website? Normally, an increase in traffic is a good thing, but unexpected traffic may be a reason for concern.

Distributed Denial of Service, short for DDoS attacks are common to e-commerce businesses, because they conduct a business online, and are very affordable to execute.

DDoS attacks can cause a big loss in revenue and have long-term effects on your e-commerce business.

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To safeguard losses from DDoS attacks, you need e-commerce cyber attack insurance.

Cyberattack insurance is a relatively new type of insurance, but that is becoming popular quickly and for several great reasons.

However, getting the best cyber attack insurance could be a bit tricky, because there are a lot of different types to choose from.

Crisis management is the most general type of cyber attack insurance and protects your eCommerce business from costs resulting from DDoS attacks.

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Product Liability Issues

Even you only sell digital goods, it can break to your consumers. Some good examples of product malfunction are big companies.

Due to product malfunction, these companies forked out millions of dollars in lawsuits, which were covered with some type of e-commerce insurance.

You may think your stuff is extremely safe, but have no clue about the damage it can cause to others. Here you can find more information about e-commerce companies in Texas.


The result of fraud for e-commerce businesses is higher today than it used to be some years ago. There are different types of e-commerce fraud including card testing fraud, friendly fraud, account takeover fraud, and much more.

If you run an e-commerce store, you not only should protect your customers from fraud, but you also have to protect your business from getting scammed.

Preventing fraud is impossible, given that most times you have no control over how and when it happens.

When searching for the best e-commerce insurance in Texas, it is important to commission a company that offers protection against fraud.

Different Types of e-commerce Insurance Coverage in Texas

When choosing the best e-commerce insurance company in Texas, you first have to choose the type of coverage you want to protect your business from damage.

There are a lot of different types of e-commerce insurance coverages to choose from, most notably:

General Liability Insurance

The is mostly the common type of eCommerce insurance coverage available for your e-commerce insurance company in Texas.

Whether you run your online venture from your house or commercial space, you should get general liability insurance, and here’s why!

With regards to injury, like an e-commerce business owner, it is a good idea to check out e-commerce life insurance plans to shield your family.

General liability insurance covers your eCommerce business from third-party bodily injury and property damage claims.

So, if anyone comes to your office, and suffers an injury, then the legal obligations, and potential fines will be paid for by your e-commerce insurance company in Texas.

It is important not to mistake e-commerce general liability insurance with your homeowners’ insurance policy.

While some homeowners’ insurance policies may cover your home’s physical items, they will not shield you from any fraud costs related to your e-commerce business.

This is why you need a separate e-commerce insurance policy.

Commercial Crimes Insurance

Commercial crimes insurance may be a bit complex, but to tell you briefly covers your e-commerce business from scams generally from crimes committed by your staff or third parties.

These crimes can include robberies, fraudulent transactions, and embezzlement pertaining to your e-commerce business.

Technology Errors & Omissions Insurance

Another category of e-commerce insurance to shield your business insurance is technology errors and omissions insurance.

This category of insurance combines several different kinds of insurances including product liability and cyber insurance.

When you select technology errors and omissions insurance, you shield your e-commerce business from product failure that causes injury to your customer.

How to Choose an E-Commerce Insurance Company in TX?

There are several factors to think about when buying the best e-commerce insurance company in Texas.

Company Reputation

The e-commerce insurance company you choose should have a 5-star reputation.

When you’re selecting the best e-commerce insurance company in Texas, you need to steer clear of a cheap e-commerce insurance company in Texas, because these will not give the right coverage you need.

It is also very necessary to prioritize the coverage over the fees as this may result in big financial damage.

Read Your e-commerce Business Insurance Policy

When you do select an e-commerce business insurance policy, it is important that you read the policy including the fine print for any errors.

If you don’t get any terms in the policy, then it’s best to seek clarification from your insurance broker before signing off the policy. If you do not do this, then you may have trouble when you file a claim.

Consider the Deductible

Most e-commerce business insurance companies in TX may ask for a deductible. This is a price you will have to give in the event you file a claim.

A high deductible may not be affordable for your business, hence it is a wise idea to try and negotiate with your insurance provider about bringing down the deductible.

Final Thoughts

Investing in the best eCommerce insurance policy is a smart choice for your online business. There are many insurance providers to choose from when checking for the best insurance provider including cost, reputation, and the coverage amount.

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