Optima Insurance Brokers Pvt. Ltd.

Industry Focus

E Commerce

With the growing internet penetration in the country, the Indian e-commerce industry is beginning to enter a new phase. E-commerce sector is touted to be the next big game changer after the IT industry. The Industry is expected to grow at a CAGR of 40%, from US$ 5.9 billion in 2010 to US $ 34.2 billion in 2015.


Online businesses differ from their brick-and-mortar counterparts in ways that present unique challenges for insurance companies. An e-commerce business owner has the challenge of facing all the traditional risks that any business faces, plus those unique to e-commerce. Typical challenges include data security ― the most commonly publicized areas of exposure involve unauthorized access to customer data and/or the dissemination of customer data by accident or through fraud. For online merchants, it becomes an added obligation to protect that data. There are potential liabilities if that information is compromised or exposed. Business interruption caused by third-party providers is another challenge. At times, business may be interrupted when customers are unable to access the website because of disruption or denial of service. Business interruption can also occur because of disasters such as a fire at secondary support locations — your main supplier or your warehouse.

Insurance needs can vary across different types of online businesses. The business owner must do a careful risk analysis before buying the insurance cover.

Optima Edge:

Having worked with various e-commerce companies across stages of their life cycle, we understand the challenges of online business. Our experts are adept at translating the overall concepts of ‘harm to assets’ and ‘harm to others’ into the virtual world.

Our policy advice has been useful in cases of copyright infringements on Websites and lawsuits from customers whose shipments were lost or whose privacy was violated.

Case Studies


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Optima’s core group has more than 100 man-years of experience in insurance. Our experience has trained us in reading the fine print of insurance policies, understanding it and applying it for the benefit of our clients.

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M6, M Block Market, Greater Kailash-II, New Delhi-110 048
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IRDA Registration Number 326  |  CIN : U66030DL2000PTC103603  |  Category : Direct Broker (Life and Non-Life)  |  License period : 22-03-21 to 21-03-24
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