If you have an online-based business, you may wonder whether you need commercial insurance. However, like any other business, online businesses face risks even though they don’t have a physical space. Pro America Insurance in Naples, FL explores commercial insurance options your eBusiness should consider.

Worker’s comp insurance

Florida requires businesses with four or more workers to buy worker’s comp insurance. This insurance protects your employees from work-related illnesses and injuries. It covers medical costs, ongoing care, and partial loss of wages. It also shields your business from lawsuits arising from injured employees.

Cyber liability insurance

Your online-based business is vulnerable to cybercrimes, so it’s best to protect it with cyber liability insurance. This coverage covers legal, PR, notification, and other expenses following a cyberattack.

General liability insurance

While this insurance isn’t mandatory in Florida, all businesses must invest in this coverage. It only requires one significant liability claim to bring your business down the drain. And since the chances of facing liabilities are high, you are better off investing in liability coverage. This insurance covers your business when accused of liability claims.

Commercial property insurance

Computers, warehouses, furniture, and other assets support your eBusiness operations to achieve your objectives. These assets don’t come cheap, too. Property insurance protects your assets from many perils, including fire, theft, vandalism, etc. It compensates you when loss or damage occurs to your business assets.

Commercial auto insurance

Do you have business vehicles? Please invest in commercial auto insurance. This coverage protects your vehicles and drivers when accidents happen. Even if you use your car to run business errands, you must have commercial auto insurance.

Ready to get started with commercial insurance? If you are in Naples, FL, and its surrounding area, please talk to Pro America Insurance for affordable coverage.