E-commerce runs on trust and uptime. Cyber hygiene is really revenue hygiene. While cyber insurance policies highlight protection for data breach response, cyber extortion, and even business interruption insurance for downtime, your first win is preventing incidents. This checklist helps digital retail brands strengthen defenses and align with essential insurance covers, like product liability insurance, fire insurance, general liability insurance, and cyber insurance.

MFA Everywhere

• Enable multi-factor authentication (MFA) for email, admin panels, payment dashboards, and cloud consoles.
• Reduces risk of unauthorized access and credential theft.
• Complements cyber insurance by lowering breach likelihood.

Backups That Restore

• Maintain offline or immutable backups of critical data.
• Regularly test restore drills to ensure recovery works.
• Supports business interruption insurance by minimizing downtime impact.

Access Control

• Apply least privilege access for staff.
• Use separate admin accounts and enforce quick offboarding.
• Prevent insider misuse and strengthen compliance with general liability insurance requirements.

Breach Playbook

• Document who to call, what systems to shut, and what evidence to preserve.
• Ensure legal, IT, and insurance contacts are included.
• Cyber insurance often requires proof of incident response steps.

Downtime Planning

• Define Recovery Time Objective (RTO) and Recovery Point Objective (RPO) for store, OMS, WMS, and payment flows.
• Test continuity plans to reduce financial losses.
• Business interruption insurance covers revenue loss during downtime.

Insurance Coverage Essentials For E-Commerce

• Cyber Insurance: Covers breach response, extortion, legal defense, and notification costs.
• Product Liability Insurance: Protects against third-party injury or property damage caused by defective products.
• Fire Insurance: Safeguards warehouses, offices, and inventory against accidental fires.
• General Liability Insurance: Provides coverage for bodily injury, property damage, and advertising disputes.
• Business Interruption Insurance: Compensates for lost income during downtime caused by cyberattacks or physical damage.

Strong cyber hygiene practices, combined with product, fire, general liability, and business interruption insurance, ensure e-commerce brands stay resilient, compliant, and protected against modern digital and operational risks.