Online businesses require commercial insurance. E-commerce provides opportunities for entrepreneurs around the world, including Baraboo, WI. At Johnsen Insurance, we specialize in commercial insurance policies that many online business owners unexpectedly need.
Here are a few examples:
General Business Liability
General liability insurance for your online business safeguards you against claims of property damage or bodily injury caused by the products you sell. These types of claims can occur in unexpected situations. For example, you could be held responsible if a delivery driver slips and falls on your front porch while delivering a package for your home business. This insurance also defends you against claims for damages due to your advertising tactics.
Business liability insurance is crucial for interacting with customers or selling any product online.
Product Liability
You could be liable if your customers harm themselves using a product they purchased from you. Although product manufacturers carry this type of insurance (for products made in the United States), you might also be legally accountable for any claims.
Commercial Insurance for Your Vehicle
Most auto policies stipulate coverage only for the driver or vehicle when the vehicle is used for personal purposes. This means that if you use your personal vehicle for business errands like dropping off packages at the FedEx office, acquiring office supplies, or taking a customer out to lunch, and an accident occurs, you won’t be covered unless you’ve insured your car for both commercial and personal use.
At Johnsen Insurance, we can also help you with cyber insurance, errors and omissions insurance, employment practices insurance, and workers’ compensation. Whether your operations are in Baraboo, WI, or anywhere in Wisconsin, contact us today to ensure you have the insurance coverage you need.
