{"id":160,"date":"2025-11-28T12:00:00","date_gmt":"2025-11-28T18:00:00","guid":{"rendered":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/?p=160"},"modified":"2025-11-06T07:04:16","modified_gmt":"2025-11-06T13:04:16","slug":"umbrella-insurance-that-protects-against-legal-threats-to-retailers","status":"publish","type":"post","link":"https:\/\/www.ashevilleinsurancecenter.com\/blog\/umbrella-insurance-that-protects-against-legal-threats-to-retailers\/","title":{"rendered":"Umbrella Insurance That Protects Against Legal Threats to Retailers"},"content":{"rendered":"

Owning a retail business comes with some risks that could result in legal proceedings. If you are a business owner, learn how umbrella insurance could protect your interests. <\/p>\n

Damage to Another Party’s Personal Property<\/h2>\n

An incident on your premises could damage a customer’s personal property. For example, say an auto accident happens on your property. You could be left responsible for high repair costs.<\/p>\n

Your liability coverage may not provide sufficient protection. An umbrella insurance policy can help when the liability limits on your standard commercial insurance are maxed out.<\/p>\n

An Incident That Harms A Consumer<\/h2>\n

A faulty product or damaged materials within your retail business could cause a consumer to become injured when they visit your establishment. And they may decide to file a lawsuit against you.<\/p>\n

Your liability coverage may not be enough to handle the legal expenses, medical expenses, and additional expenses that you face as a result. An umbrella insurance policy will provide additional liability protection that you can count on while you are going through a legal battle.<\/p>\n

This type of coverage will enable you to effectively represent yourself in a court of law.<\/p>\n

Umbrella Coverage Considerations<\/h2>\n

Review your business plan. Determine how many liability incidents you have encountered in the past. Think about the risk factors that could contribute to being involved in a legal situation in the future. Decide if having access to an umbrella insurance policy would benefit you as an owner of a commercial retail establishment.<\/p>\n

Consult an Agent From Asheville Insurance Center<\/h2>\n

You may have some questions or concerns about umbrella insurance. If so, set up a time to speak to one of our independent agents at Asheville Insurance Center, representing the Asheville, NC, area.<\/p>\n","protected":false},"excerpt":{"rendered":"

Owning a retail business comes with some risks that could result in legal proceedings. If you are a business owner, learn how umbrella insurance could protect your interests.  Damage to Another Party’s Personal Property An incident on your premises could damage a customer’s personal property. For example, say an auto accident happens on your property. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[29,13,28,30,32],"class_list":["post-160","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-asheville","tag-asheville-insurance-center","tag-insurance","tag-nc","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t