Newville:(717) 776-5213 •Shiremanstown:(717) 737-4981
  + 
* Services
    - 
 >  > What You Should Know About E-commerce Business Insurance
# What You Should Know About E-commerce Business Insurance
Article originally posted January 19, 2025 on !!
A brick-and-mortar establishment comes with known risks, but e-commerce has specific liabilities. Some are shared with traditional stores, but others are unique to online businesses. Business insurance tailored to meet the needs of your online operations can make all the difference when you face unexpected losses.
## What is Covered in E-Commerce Business Insurance?
E-commerce business insurance policies include:
* General liability insurance
* Commercial property insurance
* Commercial auto insurance
* Worker’s compensation insurance
* Business income insurance
# What Types of Businesses Need E-Commerce Insurance:
Any merchant activity, selling services, products, or digital wares, will benefit from enrolling in an e-commerce insurance plan.
* **Online retail:** Whether you are selling pajamas or personalized jewelry, interruptions in your supply chain, shipping delays, and employee injuries can cause financial setbacks that endanger your company’s survival.
* **Traditional retail with an online component:** If you allow store or curb-side pick-up for online orders or operate a whole range of online-only merchandise in addition to the offerings at your physical location, you face the combined liabilities of commercial property and digital ransomware or data breaches.
* **Virtual marketplace sellers**: If you sell your art, crafts, or services on platforms like Etsy, eBay, Airbnb, or Fiverr as a source of income, it’s worth covering your losses. If there are any claims about your products or quality, you can resolve the issue and move on rather than facing costs that can be a killing blow.
* **Online rideshare work:** You are considered an independent contractor when you drive for Uber or Lyft. This type of work does not fall under traditional e-commerce and may need a specialized plan focused on commercial auto insurance. Your auto insurance should be customized to cover any damages not covered by the rideshare company.
## What Happens If I Don’t Get E-Commerce Business Insurance?
When you experience what can happen without insurance, it becomes evident that proper coverage is a necessity, not a “nice to have.” Some examples of potential liabilities that will have you paying out of pocket include:
* **Employee injuries:** If your employee climbs a ladder to access items from a top shelf but falls and breaks their ankle, you could have to pay their medical bills out of pocket if you are not covered.
* **Customer lawsuit:** This is particularly relevant for companies selling food, cosmetics, or medical items. If a customer claims your product made them sick, no coverage can put you in danger of a long and expensive court process.
* **Damaged inventory:** If your stock is ruined by flood or fire, you may face delays, refunds, and a wave of customer complaints. E-commerce insurance can cover your losses.
* **Stolen information:** Hackers could access your customer database and sell it to bad actors. This is embarrassing and can also result in significant issues with customer service.
* **Car accidents:** Your delivery vehicle, which may also be your personal property or that of an employee, could experience unexpected damage on the road. Personal auto insurance will likely not cover the losses the vehicle is used for regular transport and delivery runs.
## Protect Your E-Commerce Business with the Correct Coverage
Give yourself peace of mind for the year ahead. E-commerce is an evolving field; ensure your safety net expands with your enterprise. Please meet with one of our e-commerce business insurance agents about acquiring or updating your current coverage today.
Filed Under:  | Tagged With: 
## Start Saving Today
* Name\*
* Email\*
* Phone (Optional)
* Type of Insurance\*Type of InsurancePersonal InsuranceBusiness InsuranceLife Insurance
* EmailThis field is for validation purposes and should be left unchanged.
Δ
## Customer Reviews
POFriendly and helpfulPam O., Newville, PennsylvaniaEA5 stars!epic a., Newville, Pennsylvania!5 stars!Rilwan O., Newville, Pennsylvania!5 stars!Elijah P., Newville, Pennsylvania!John is responsive and informative.Jim S., Newville, PennsylvaniaARMuch cheaper then the place I was getting my insurance . Very friendly staff ...Angie R., Newville, PennsylvaniaBKAlways my go-to for insurance needs. Stellar personal customer service, great...Boyd K., Newville, PennsylvaniaMRFriendly people to do business I would like to thank Wanita for providing us...Marlin R., Newville, PennsylvaniaBHVery customer-focused! Willing to go above and beyond to assist with any...Bry H., Newville, Pennsylvania!We've had both house and auto policies with Wolf Insurance for about 10 years....K L., Newville, PennsylvaniaSee All Reviews
# Dedicated to Finding You the Best Coverage Possible!
!!
## About Us
## Insurance
## Policy Service
## Newville Office
J.P. Wolfe Insurance
* 96 S High St
* Newville, Pennsylvania 17241
Phone: (717) 776-5213
Toll Free: (877) 776-5213
Fax: (717) 776-4159
* Mon-Fri: 8:30am-5:00pm
* Sat-Sun: Closed
Closed for Lunch: 12-1 pm
## Shiremanstown Office
* 23 W Main St
* Shiremanstown, Pennsylvania 17011
Phone: (717) 737-4981
Toll Free: (888) 737-4981
Fax: (717) 737-5061
Closed for Lunch: 1-2 pm
J.P. Wolfe Insurance Provides Auto, Home, Business, and Life Insurance to All of Pennsylvania, Including Newville, Camp Hill, and Carlisle.© Copyright 2025, J.P. Wolfe Insurance |  |  | Insurance Website Design(opens in new tab)
 >  > How to Prepare Your Home for Winter Storms
# How to Prepare Your Home for Winter Storms
Article originally posted January 16, 2025 on !!
During the winter months, the weather can get pretty grim. Freezing icy conditions, blizzards, torrential rain, and wind events can test any structure, including your home. The best policy is to be prepared for the worst and hope for the best. Here are some ways you can protect your home from the damage of winter storms this year.
## Indoor Checks and Safety Measures
### Heating System
No one wants to be stranded at home with no heat during a storm. Before the heavy cold sets in, check that all the parts of your system, including filters, wood heating systems, boilers, furnaces, and pipes, are in good condition. Keep your heating at 65 degrees, even when out of the house, to help protect against frozen pipes.
### Pipe Insulation
Not all pipes are within the walls. Check the attic or basement for any exposed pipes and get them insulated. If you want to do it yourself, you can find pre-slit foam pipe insulators online or at your local home improvement store. Just read up on how to apply them so you don’t leave gaps.
### Water Main
When was the last time you located your water main? If you can’t remember, it’s been too long. Ensure you know its location and how to turn it on and off. If you have any trouble with frozen or burst pipes during the winter, you can stop the main flow of H2O to prevent your emergency from becoming a disaster.
### Faucet Control
Moving water is less likely to freeze than standing water. When the temperature plunges, turn your hot and cold faucets to have a slow, steady drip, particularly those furthest from the water supply, to reduce the risk of frozen pipes in cold weather.
### Emergency Supplies
If you are snowed in and can’t go out. Make sure your safety reserves and emergency kit are well stocked. Essential things you need include:
* Water
* Non-perishable food
* First-aid kit
* Warm blankets and clothes
* Flashlights
* Cell phone charger backups
## Outdoor Concerns
### Cracks and Gaps
Walk around your property and note any places you may lose heating. Small cracks and gaps around windows or your garage door may not expose you to grave danger during a storm, but they could add up to considerable savings on energy costs when addressed.
### Gutters
Clean leaves and debris from your gutters. When the storms hit, you don’t want a build-up of water freezing, leading to ice and damage to your roof and home. If you spot icicles, it is a sign that there could be a problem. It is vital to repair any issues to avoid risking severe damage to your home’s structure.
### Sidewalks
Keep your sidewalks shoveled and clear of snow and ice. You don’t want visitors to your home to slip and be forced to file a claim against your personal liability policy.
### Roofing
It is time to invest in repairs if you have structural issues with your roof or any leaks. Repairs can be managed on cold days without too much snow. A collapsed roof from heavy, wet snow can be a disaster and impossible to resolve in a howling storm.
## Air Quality Control
### Carbon Monoxide Detectors
Your household smoke and carbon monoxide detectors should be tested at least once per year. As carbon monoxide poisoning occurs most often during winter, now is the time to check your alarm and replace the batteries. Also, verify the “replace by” date on the back of your device and get it changed out if it is overdue, which should occur about every five to seven years.
### Engine Check
While your car isn’t a part of your home, it is wise to think ahead and ensure the engine, oil, and belts are in good condition and can handle the challenges of the winter months. Remember, gas engines running in an enclosed space release carbon monoxide, a deadly odorless gas. Thousands of deaths are caused by unintentional carbon monoxide (CO) poisoning in the U.S. annually. Always run your car engine and any gas-powered generators outside the house or garage and away from ventilation systems leading indoors. When engines are on inside the garage, even if the doors are open, enough CO can build up and cause serious or deadly consequences.
## Stay Safe and Secure with Compatible Coverage
By taking precautions, you can prevent the worst of any storm damage. Not everything can be predicted and prevented, so make sure your homeowner’s insurance is in good shape. Our agents can help answer any questions on whether your current policy includes structural, personal property, and specific peril coverage and how to fill the gaps as needed. Contact us for an interview today.