The dream of running your own online store is alive and well. You source fantastic products, build a captivating brand, and watch the orders roll in. However, even in the digital realm, there are unexpected bumps in the road. This is where a Commercial General Liability (CGL) policy becomes your safety net, protecting your business from financial disaster caused by lawsuits. 
Why E-Commerce Needs General Liability the includes Products Liability Coverage
While you may not have a physical storefront, e-commerce businesses face a unique set of risks. Here is how a CGL policy can be your hero:
- Customer Injury: A defective product can cause serious harm. If a customer claims your product injured them, a CGL policy can cover legal fees and potential settlements.
- Property Damage: Imagine a faulty phone charger causing a fire at a customer's home. A CGL policy can help cover the costs associated with such a claim.
The Marketplace Factor: Amazon, Walmart, and You
Selling on major online marketplaces like Amazon and Walmart adds another layer of complexity. These platforms often require sellers to carry proof of CGL insurance. Here is why:
- Protecting Their Brand: Marketplaces want to ensure they are not held liable for issues arising from products sold by third-party sellers. A CGL policy on your end minimizes their risk.
- Peace of Mind for Everyone: Knowing you have CGL coverage fosters trust between you, the marketplace, and ultimately, the customer.
The Bottom Line: Don't Gamble with Your Business
Lawsuits can be expensive, even unfounded ones. A Commercial General Liability policy is a wise investment that safeguards your business from financial ruin. Do not wait for a disaster to strike - secure your peace of mind and get covered today. Remember, a thriving online store needs a strong foundation, and Commercial General Liability insurance is a vital building block for your e-commerce success.