E-commerce Insurance

Insurance Agency Design For Websites

With all of the current competition in the insurance selling business, any agent worth his or her salt needs to determine exactly what they can do to get an edge. The simple answer is to create a more compelling website and this requires taking a bit of a different approach than others in different industries might resort to, but with the goal of getting more customers. This is often accomplished by enlisting someone with experience in Insurance Agency Design for websites.

The insurance industry used to be all about personal contact, with the best agents out there taking the time to build up personal relationships with clients, either by meeting them in person or speaking with them over the phone. Once established, many of those clients became loyal to their agent and purchased all of their own insurance needs from them, as well as referred others requiring similar services. But websites have long been equally important in this marketplace.

 

Having a great website is key

Websites have proven to be an effective way of increasing awareness about your firm, which leads to getting new clients, more so than talking over the phone or even meeting in person. But to make it a success you must keep it simple. Have a clean website that has information clearly laid out on displayed for everyone to see, and make it easy to navigate as well.

A good test of any web page is to enter the website from a visitor’s perspective and if you become frustrated at being unable to find information fast this means that the site still needs some work before it will begin performing well.

 

Have a clear header and include an online quote tool

Make sure to describe what the services are about and have clearly displayed links that people can click on to find out more about the different insurance products available, along with easy-to-find contact information (simply by having a footer at the bottom of each page and a “contact us” link at the top of each page).

Also, in any Insurance Agency Design, a successful website should also have an insurance quote tool available, (making sure it’s in working condition at all times). You’ll want it formatted so that the user doesn’t become overwhelmed when responding to the many questions provided on the tool. Using these suggestions will hopefully help make insurance agent websites much more successful.

 

E Commerce Insurance and Running an Online Business

Today, in our technology-based society, millions of businesses buy and sell products online, offering everything from wholesale apparel to electronics and expensive gadgets, and have found that consumers like the ease associated with shopping via the Internet. An e-commerce business faces very different risks than that of a brick-and-mortar company and, as such, need an e commerce insurance policy designed to address these particular concerns.

As most small business owners know, a standard business owner’s policy (BOP) will cover most risks associated with many companies. This policy combines property coverage with general liability, so that if someone slips and falls while shopping at a store, the liability portion helps pay for medical expenses, while damage from a heavy storm will be covered by the property insurance. An e-commerce business will require more comprehensive coverage than the standard BOP policy will provide, since it will likely only cover a small portion of risks.

Data security and business interruption are also key concerns

An e-commerce business presents unique challenges that e commerce insurance can help address. But, in addition to this policy, there are two key areas that Internet businesses need to focus on – data security, since an online business often keeps sensitive customer data and valuable business information on a secure database where breaches can occur; and the other is business interruption, as they are likely to rely on other third-party providers to assist with functions like shipping or Internet service.

Risk management is an essential tool needed to prevent a breach, but preparations must be in order to deal with the aftermath if information does become exposed. After all, owners will likely be held liable for each customer’s information that is compromised due to the breach. And what would be the fallout if a third-party provider experiences an issue that brings business to a halt? Any prolonged problem could have serious consequences, including a loss or reduction in profits. Business interruption insurance helps to recuperate any losses.

Running an online business reduces many insurance needs and concerns, but those that do exist need to be properly insured or the business is likely to fail. Speak to an agent about e commerce insurance and other important coverages that, by not having, you could be greatly endangering your business.