Commercial insurance is also known as business insurance. All kinds of businesses need commercial insurance, such as the commercial insurance offered by RH Worthington Group serving Milford, PA and surrounding communities. Online businesses are not excluded from this necessity. In fact, online businesses may have an even greater need for commercial insurance. Here’s why:

Why Online Businesses Need Commercial Insurance

There are many scenarios that leave online businesses vulnerable, no matter what kind of online business it is.

Some sample scenarios include:

• A hacker breaches your customer data, stealing personal information such as addresses and credit card details.
• A person or company sues you for copyright infringement related to images or plagiarized copy from your website.
• One of the products you sold causes injury to a person. (Note that even if you didn’t manufacture the goods, you could be held partially liable.)
• The storage facility you use to store pre-sold inventory is broken into or burned down.
• Your business computer, furniture, or other equipment is damaged due to an electrical event, fire, or flood.
• A competitor decides to sue you for libel or slander because of some marking material you disseminated.
• A person sues you for negligence based on some information you provided in an online course.

The list goes on and on. To ensure that your online business is protected, you need commercial insurance.

Some types of commercial insurance to choose from are:

Professional Liability Insurance for businesses that offer services, such as online courses, consulting, design work, etc.

Commercial Property Insurance to cover physical items.

General Liability Insurance for property damage, libel, lawsuits, bodily injury, and more.

Home-Based Business rider for businesses that are operated in the home and are not covered by home insurance.

Reach Out To Us

To learn more about what specific type of commercial insurance your online business needs, contact RH Worthington Group in Milford, PA.