There are many reasons why an eCommerce business needs insurance. Here are a few: 
· To protect your assets. If your business is sued, insurance can help you cover the costs of legal fees, settlements, and judgments.
· To protect your employees. If an employee is injured on the job, insurance can help you cover the costs of medical care and lost wages.
· To protect your customers. If a customer is injured or damaged property while using your products or services, insurance can help you cover the costs of compensation.
· To protect your reputation. If you are involved in a scandal or your business is accused of wrongdoing, insurance can help you pay for public relations and legal assistance.
· To protect your business from financial loss. If your business is damaged by a fire, flood, or other natural disaster, insurance can help you cover the costs of rebuilding.
Insurance is not a one-size-fits-all solution, and the specific types of insurance you need will vary depending on the size and nature of your business. However, most businesses need at least general liability insurance, which protects you from claims of bodily injury or property damage caused by your business. You may also need product liability insurance, which protects you from claims of bodily injury or property damage caused by your products.
If you are unsure about which types of insurance your business needs, it is always best to consult with an insurance agent or broker. They can help you assess your risks and choose the right policies for your business.