{"id":150,"date":"2026-06-30T12:00:00","date_gmt":"2026-06-30T18:00:00","guid":{"rendered":"https:\/\/insurance.bankofoakridge.com\/blog\/?p=150"},"modified":"2026-06-09T17:50:41","modified_gmt":"2026-06-09T23:50:41","slug":"do-i-need-umbrella-insurance-as-an-aspiring-business-owner","status":"publish","type":"post","link":"https:\/\/insurance.bankofoakridge.com\/blog\/do-i-need-umbrella-insurance-as-an-aspiring-business-owner\/","title":{"rendered":"Do I Need Umbrella Insurance As an Aspiring Business Owner?"},"content":{"rendered":"<p>Starting your own business is no easy feat. There&#8217;s a lot of work that goes on behind the scenes to come up with a viable and lucrative business plan, secure funding for your new business venture, draft a marketing plan, and so on. Eventually, you&#8217;ll reach the point in your checklist where you&#8217;ll have to consider insurance. There are many common forms of business insurance that you have to have or are strongly suggested you have, including commercial auto insurance and commercial liability insurance. But what about other types of insurance policies, such as umbrella insurance? Here&#8217;s why aspiring business owners like yourself should consider getting umbrella insurance, and why business owners and residents in Oak Ridge, NC, come to us at Oak Ridge Insurance Services for help securing umbrella insurance.&nbsp;<\/p>\n<h2>Is Umbrella Insurance Useful As a Business Owner?&nbsp;<\/h2>\n<p>Umbrella insurance is a form of insurance that offers a high coverage limit meant to kick in and support you if you surpass the coverage amount offered by your other policies. Let&#8217;s say, for example, that you get into a severe car accident and your commercial auto insurance will only cover $300,000 in damages. Normally, you would have to find another way to pay the rest. When you have umbrella insurance, you have that extra coverage to lean on during times of need. Unless you operate a home-based business with very low risk and no employees, it&#8217;s highly recommended that you have umbrella insurance just in case you do run into an issue where your traditional commercial insurance only gets you so far.&nbsp;<\/p>\n<h2>Get Started Here With Oak Ridge Insurance Services<\/h2>\n<p>So, how do you go about getting umbrella insurance for your business? With our support here at Oak Ridge Insurance Services in Oak Ridge, NC, we&#8217;ll help you see your options at a glance with just a few clicks of your mouse button. <a href=\"https:\/\/insurance.bankofoakridge.com\/insurance-quotes.html\">Request a quote<\/a> from us today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting your own business is no easy feat. There&#8217;s a lot of work that goes on behind the scenes to come up with a viable and lucrative business plan, secure funding for your new business venture, draft a marketing plan, and so on. Eventually, you&#8217;ll reach the point in your checklist where you&#8217;ll have to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[16,25,24,11,26],"class_list":["post-150","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-insurance","tag-nc","tag-oak-ridge","tag-oak-ridge-insurance-services","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Starting your own business is no easy feat. 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