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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e business insuranceDespite the ease and benefits of the Internet, an e-business is just as vulnerable to legal problems as a traditional brick-and-mortar business.

In fact, e-businesses are more prone to certain lawsuits and legal issues than others, usually involving the ownership of intellectual property or making statements about another person or business.

Compare rates on e business insurance with our business insurance comparison tool above. Enter your ZIP code to begin!

Prevent the What-If

In business, the number one thing that can put a business out of operation completely is a lack of operating funds. This situation can happen permanently if a company gets socked with a lawsuit. The lawsuit can be for a variety of issues or even a problem that never occurred.

Unless the business has a nice, financial reserve stored away, the legal fees alone can get so expensive, it can deplete a small company’s bank account in no time. Since many e-businesses tend to be small or micro-businesses to begin with, the financial drain of a lawsuit, even if won, can be a death knell for a company.

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Protecting Your Property

E-business insurance also goes a long way towards protecting the property you already have. Much of what is posted, displayed, and written on the Internet tends to be intellectual property. To the extent that someone else comes along and begins to make demands to a business to remove its material, either out of offense or deceitfully claiming false ownership of it, the business has to make a choice. Either fight the demand or cooperate.

Too often, when an e-business gets such a demand, they tend to fold and give up. It seems better to avoid the expense of the fight than hold on to valuable Internet space and intellectual material. This may be writing, a logo, a brand, or even a business name. With e-business insurance in place, an Internet business can think twice about giving up. Instead, it now has the resources to put up a fight where doing so matters.

Fending Off Damages

protect e business insurance

Loss of valuable business resources and assets due to an Internet presence can occur at any time through intentional means. Intentional attacks can include:

– A hacker,
– a virus,
– a coordinated attack, or
– bad competition from another business.

All of these elements can conspire to ruin an e-business’ day as well as its website presence. If the damage does occur, many small businesses don’t necessarily have the resources to get right back into the fight, running very lean operations. With e-business insurance, again, that financial buffer is then in place to make damage recovery easier.

Reputations Matter

For e-business, a company’s name on the Internet can matter far more than physical storefront reputation. Since a significant bulk of a e-business’ revenue comes from Internet traffic, a bad online reputation in too many high-profile places can sink a business. The worst part is, the business can’t control or influence the bad talk, and false representations can begin to take on a life of their own.

This sort of problem is particularly prevalent in Internet social media resources. E-business insurance can provide the means to both recover from related revenue loss due to a destroyed reputation as well as provide the means to repair it. Through the insurer’s litigation side, malicious and fraudulent communication can be tampered or even shut down. In this respect, an e-business can gain a fair footing again.

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e business insurance protectionIf an e-business relies on outsourced providers for Internet material, this comes with the inherent risk that the intellectual material may already be owned by someone else. Using such product and posting it on the e-business’ website can then expose the unsuspecting company to copyright infringement claims.

With the right business insurance plan in place, the business can quietly remove the offending material and go on with operations while the insurer takes care of the allegations, complaints, and mess. The insurer, in some cases, could even go after the original outsource provider and hold that business responsible for providing unsuspecting, infringing material to the e-business in the first place.

Research, Research, Research

Not every insurance provider matches up well with any e-business. Company management is best served with researching multiple insurers and their products, as well as quotes, to determine which insurance product best works with how the e-business operations. Much of this preliminary research can be performed through online comparison sites and related Internet information already compiled for consumers.

Depending where the valuable assets are that need to be protected, or the type of vulnerabilities an e-business has, some insurers will work better than others. The best policies are custom-tailored to an e-business’ needs and operations.

With online comparison this sort of discussion can occur with multiple providers simultaneously to get the more recent and current information from all eligible insurance providers. Those with the knowledge and expertise will stand out quickly, an e-business is not stuck having to find a provider through traditional means, such as phone-book guessing or less-than-helpful referrals.

Compare quotes now and save both time and money on e business insurance. Enter your zip code below to begin!