E-Commerce Insurance in West Virginia – WV

If you conduct an e-commerce business, you should get e-commerce insurance in West Virginia. e-commerce businesses are on the rise these days and account for approximately 3.53 trillion US dollars.

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

E-Commerce Insurance in West Virginia

Reasons Why Your Online Business Needs Insurance in West Virginia

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 leaked.

Even if you’re just opening an e-commerce business, you’re bound to collect personal customer information.

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

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

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

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

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

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

DDoS Attacks

Have you noticed a rise in traffic to your website? Normally, a boost in traffic is a good thing, but unexpected traffic could be a reason for concern.

Distributed Denial of Service, short for DDoS attacks is 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 detrimental effects on your e-commerce business.

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To protect losses from DDoS attacks, you require e-commerce cyber attack insurance.

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

However, getting the right cyberattack insurance may be a bit tricky, because there are many different types to choose from.

Crisis management is the most common type of cyber attack insurance and protects your e-commerce 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 errors are major companies.

Due to product malfunction, these companies paid 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 West Virginia.


The result of fraud for e-commerce businesses is a lot today than it used to be a few years ago. There are several 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 must protect your business from getting scammed.

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

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

Different Types of e-commerce Insurance Coverage in West Virginia

When commissioning the best e-commerce insurance company in West Virginia, you first have to opt for the type of coverage you desire to safeguard your business from damage.

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

General Liability Insurance

The is notably the common type of eCommerce insurance coverage available for your e-commerce insurance company in West Virginia.

Whether you operate your online venture from your home 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 protect your family.

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

So, if anyone visits your office, and suffers an injury, then the legal obligations, and potential costs will be paid for by your e-commerce insurance company in West Virginia.

It is a good idea not to mix up e-commerce general liability insurance with your homeowners’ insurance policy.

While some homeowners’ insurance terms may cover your household physical items, they will not protect you from any fraud costs related to your e-commerce business.

This is why you need an exclusive e-commerce insurance policy.

Commercial Crimes Insurance

Commercial crimes insurance may be a bit complicated, but to explain briefly protects your e-commerce business from damage notably from crimes committed by your employees or third parties.

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

Technology Errors & Omissions Insurance

Another kind of e-commerce insurance to safeguard your business insurance is technology errors and omissions insurance.

This kind of insurance brings together several different categories of insurances including product liability and cyber insurance.

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

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

There are several factors to take into account when buying the best e-commerce insurance company in West Virginia.

Company Reputation

The e-commerce insurance company you select should have a superior reputation.

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

It is also very important to prioritize the coverage over the costs as this may amount to big financial damage.

Read Your e-commerce Business Insurance Policy

When you do choose an e-commerce business insurance policy, you must 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 fail to do this, then you may have issues when you file a claim.

Consider the Deductible

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

A high deductible may not be feasible 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 wise choice for your online business. There are plenty of insurance providers to select when looking for the best insurance provider including cost, reputation, and coverage amount.

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