E-commerce Businesses in Dubai: Do You Need Physical Insurance?

“I don’t have a shop, so I don’t need insurance.” We hear this a lot from e-commerce owners in Dubai. But this is a myth. If you sell products online, your risks are just as real as a physical store. In fact, they might even be higher. Whether you are a “Drop-shipper” or have your own warehouse, an sme package insurance policy is your most important tool.

The “Warehouse” Risk

Even if you don’t have a shop, you likely have a place where you keep your stock. It might be a small warehouse or even a dedicated room. If a fire or a leak happens there, your entire business disappears. “Property All Risk” for e-commerce owners covers your inventory wherever it is kept. At CoverB, we also cover your stock while it is being delivered to the customer. If the delivery van has an accident and your products are ruined, we pay for them.

Product Liability: The “Seller” Risk

In the UAE, the person who sells the product is often the one who gets sued first. If you sell an electronic toy and it catches fire in a customer’s home, they will come after your website. It doesn’t matter if you didn’t “make” the toy. As the seller, you are liable. Our sme business insurance includes Product Liability to protect you from these “unseen” disasters. It pays for legal defense and any damages awarded to the customer.

Business Interruption: Website Downtime

For an e-commerce business, your website is your shop. If your server is attacked or goes down for three days during a “Black Friday” sale, you lose a fortune. Business Interruption cover helps you recover that lost income. It acts as a safety net that keeps your business alive while your tech team fixes the site.

Why E-commerce Owners Love CoverB

We are a digital-first brand, just like you. We understand that you need an sme package insurance policy that is flexible. If your stock goes up during the holiday season, we can increase your cover instantly. If you move to a bigger warehouse, we update your policy in minutes. We grow with you. Visit https://coverb.ae/ and let’s secure your digital empire.