{"id":262,"date":"2023-03-27T04:00:00","date_gmt":"2023-03-27T10:00:00","guid":{"rendered":"https:\/\/www.needaquotenow.com\/blog\/?p=262"},"modified":"2023-03-27T19:54:37","modified_gmt":"2023-03-28T01:54:37","slug":"i-have-commercial-insurance-already-do-i-really-need-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.freeland-insurance.com\/blog\/i-have-commercial-insurance-already-do-i-really-need-umbrella-insurance\/","title":{"rendered":"I have commercial insurance already. Do I really need umbrella insurance?"},"content":{"rendered":"<p>It&#8217;s safe to say that most business owners are concerned about protecting their assets. No one goes into business to lose what they&#8217;re working for and towards. As a result, business or commercial insurance is designed to provide protection for business owners who want to protect their assets. Like many insurance policies, business insurance is designed to meet a business&#8217;s unique needs and preferences. It can be customized, unlike a one-size fits all approach to insurance. Our Oklahoma City, OK&nbsp;team at Freeland Insurance is dedicated to helping business owners understand commercial\/business insurance and get the necessary coverage.&nbsp;<\/p>\n<h2><strong>What are the Benefits of Commercial Insurance?<\/strong><\/h2>\n<p>Commercial insurance protects business owners against property damage, employee\/worker injuries, liability claims, and theft. Other forms of benefits and protection can be added to a commercial business policy as well. Without commercial insurance, most businesses would be ill-prepared to deal with the financial constraints of property damage, theft, and medical injuries.&nbsp;<\/p>\n<h2><strong>I have commercial insurance already. Do I need umbrella insurance?<\/strong><\/h2>\n<p>What is the difference between Commercial Insurance and Umbrella Insurance?&nbsp;Umbrella insurance is a form of commercial insurance. However, commercial business insurance is the primary insurance policy for a business owner\/business. In contrast, umbrella insurance is secondary insurance designed to cover anything that exceeds a standard or primary insurance policy. These costs can include anything from property damage to liability and theft. At times, umbrella insurance can act as a primary insurance policy if the primary policy doesn&#8217;t cover a particular area of business or issue. Umbrella insurance will usually cover things that are uncovered by the primary commercial business policy. However, it&#8217;s best to understand what&#8217;s covered and what&#8217;s not for commercial business and umbrella insurance. If you have questions regarding umbrella insurance, call us. We&#8217;d be happy to answer all of your questions.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s safe to say that most business owners are concerned about protecting their assets. No one goes into business to lose what they&#8217;re working for and towards. As a result, business or commercial insurance is designed to provide protection for business owners who want to protect their assets. Like many insurance policies, business insurance is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[10,8],"class_list":["post-262","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-freeland-insurance","tag-oklahoma-city-ok"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/comments?post=262"}],"version-history":[{"count":1,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/262\/revisions"}],"predecessor-version":[{"id":263,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/262\/revisions\/263"}],"wp:attachment":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/media?parent=262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/categories?post=262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/tags?post=262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}