Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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An ecommerce business should have insurance in place, just like any other type of commercial venture. A number of people are operating a home-based business and think that they are adequately protected under their homeowner’s policy. Still, many should have business insurance.

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A homeowner’s insurance policy does have a place in an overall financial protection plan, but it does not provide sufficient protection for people who are operating a business as well.

Learn what both home and business insurance policies cover, the type of business insurance an eBusiness should carry, and how to find the best business insurance for your needs.

What a Homeowners Insurance Policy Covers

A standard homeowners insurance policy covers the structure of the home itself. The dwelling’s plumbing, electrical wiring, heating and air conditioning systems are included in this level of protection. The insurance also covers a garage or shed located on the property. The protection extends to the driveway, patio, fence and retaining wall.

The contents of the home, including furniture, appliances, clothing and personal items are covered under a standard homeowner’s policy. Depending on the type of policy in force, the insurance company may reimburse the homeowner for replacement cost or the actual cash value.

If the homeowner cannot live in the home after a loss has occurred, the homeowner’s insurance policy will pay for living expenses until he or she can return home. This part of the policy will cover reasonable costs for accommodation, meals and transportation due to being away from home.

Homeowners’ insurance also has a liability component. The homeowner is covered for claims or lawsuits made as the result of injuries sustained by someone visiting the property. The insurance company pays for the cost of retaining an attorney to defend a legal action started by the injured person.

The liability portion of the policy also pays for medical expenses incurred by a person who has been injured on the property as well. Family members or people living on the property are not covered under the policy, though.

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Business Insurance for Ecommerce

The liability portion of a homeowner’s policy does not extend to business suppliers and customers who are visiting you at your home office. If you lose your electronic data, you are not protected under your homeowner’s policy.

The homeowner’s policy also will not pay out a benefit for business interruption. If a loss occurs and you are unable to conduct business for a time, your homeowner’s policy will not compensate you for the loss of income during this time.

You may have invested a considerable amount of funds in buying a computer, printer, and fax machine. You may also have a scanner in your office, as well as your desk, chair filing cabinets and storage units. A homeowner’s insurance policy may only offer limited coverage for this type of equipment, and you would not be fully compensated for the loss.

To get an appropriate level of coverage to protect your ecommerce business, you need to put a business insurance policy in place. Running a business, even if your home is your workplace, means that you need to put measures in place to protect the time and hard work you have invested in it.

How to Find Business Insurance

If you are looking for business insurance for an ecommerce venture, one place to start looking for coverage is to approach the company that currently holds your homeowner’s or auto insurance policy. You may be entitled to a multi-policy discount if you buy your business coverage from the same company.

As a new business insurance customer, you should shop around for your coverage. Each company sets its own rates for coverage, and the amount that you would need to pay can vary greatly between providers. Going online is an effective way to shop for insurance coverage, and you may be able to get quotes directly from the company web sites.

Once you have a number of quotes in hand, take the time to compare them carefully. You need to make sure that you are looking at pricing for a similar level of coverage in each case. Another thing you need to make sure of is that the deductibles are the same for each quote.

By increasing your deductible, you can save money on the cost of business insurance premiums. You will need to consider this matter carefully so that you don’t set it so high that you can’t afford to pay this amount out of pocket when you need to make a claim.

An ecommerce business needs to have business insurance in place. It provides valuable protection against a number of kinds of loss that you won’t get with a homeowner’s policy. Type your zip code into the box provided and get free business insurance quotes now!