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With access to increasingly intuitive and innovative tools, the online business market has taken a turn in recent years. The advancement of marketplaces associated with new habits and needs accelerated by the pandemic, brought online businesses, especially e-commerces, into the spotlight.
Whether that’s your main business or just an addition to a physical store, your company’s online presence matters. To protect your e-commerce business from potential lawsuits, accidents and disasters, you will likely need some business insurance. Have you ever considered it?
Running an online business can leave you open to unique risks. Appropriate, custom-tailored business insurance can help protect you against the many risks that small business owners face. Or do you want to bet that nothing will go wrong out of your own pocket?
To answer this question, you must consider the specifics of your business and, of course, the risks involved. It’s a good idea to have coverage if you:
Do you have property to look after? Are you responsible for third-party information? It can be a good idea to ensure the security of what is in your possession, whether it is physical or remote.
While running an online business may not include the risks that traditional businesses face, such as accidents across a wet floor or physical damage to a storefront, your online business is not without its risks.
An online business is no longer just a website, right? Your business also has social networks, email, and other platforms that allow you to gather communication, store documents, share data, sign contracts and a lot of other functions that allow your business to be increasingly connected and, consequently, exposed.
Business insurance can help if:
The situations are different. Most online businesses should have at least General Liability and Product Liability Insurance to protect themselves from the most common risks. Some marketplaces that host smaller e-commerce sites, such as Amazon, may require proof of commercial insurance in order to authorize your space to be created on their website.
Protecting your business from the greatest number of risk possibilities is always ideal, but it is important to understand what your company’s needs are in order to avoid covering too much or not enough.
Learn more about the insurance coverages you can get to protect your online business:
The Business Owner Policy is insurance used by many small businesses and is a good starting point for insuring your business. With a BOP, your online business has:
Data Breach Insurance combined with Cyber Liability Insurance can save your online business if you lose your customers’ confidential information.
This coverage helps your business respond to a data breach and can help cover your costs for:
Product Liability Insurance protects your business if something you sell online harms someone or damages your customer’s property.
If a client believes that you or someone at your company made a mistake while providing a professional service, Professional Liability coverage is the coverage that protects you. Professional Liability Insurance can help pay your fees and legal costs in this situation.
If you have employees, you are required to have Workers’ Compensation in most US states. But where not mandatory, this insurance provides benefits to your employees if they suffer a work-related injury or illness, which is your responsibility with or without insurance.
Check the Workers’ Compensation laws in your state and understand the risks in your area and what your obligations are to your employees.
You can learn much more about Workers’ Compensation by clicking here.
If you use your car for deliveries or any other business-related activity, you need commercial vehicle insurance. There are several situations and exclusions in your personal auto insurance that can let you down if you don’t turn this insurance into a commercial one.
Read this article to better understand why it is not a good idea to use your personal auto insurance for the car that serves your business.
If you need to transport and store goods, Inland Marine Insurance protects your commercial property while in transit or while it is stored at a third party location.
It covers damages resulting from theft, vandalism, as well as certain hazards and weather events.
The cost of your insurance depends on several factors, such as:
Companies with higher risks need more coverage and therefore pay higher insurance rates. However, a small Home-Based business with limited customer traffic is likely to have low costs.
If you want to know the cost of all the coverage you need for your company, don’t be shy. Get a quote today! It’s free, online and has no strings attached.
If you are still in doubt about what you need or want to know more about insurance for your type of business, talk to a BRZ agent and receive all the necessary guidance to have the best quote on the market in hand.
Know our Business Insurance
Get a quote!
August 18, 2023
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August 31, 2022
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Commercial Flood Insurance protects your company's physical location and everything inside of it. Learn all about what it covers, why you need it, and how to make sure your business stays well-protected.
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April 4, 2022
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It is important to keep in mind that a car used for a company’s operations needs commercial insurance. In this article, we list the most common mistakes that are made when it comes to commercial auto insurance, so that you can avoid having to pay for it in other ways down the road.
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to