Business Insurance

BONDS

Surety bonds are required to protect the public. They guarantee obligations will be fulfilled, whether its a contract bond guaranteeing a public construction project will be completed, a license bond guaranteeing an auto dealer will abide by the laws or a court bond that guarantees a legal guardian will handle a minor’s finances properly.

SMALL/LARGE COMMERCIAL

One of the most common types of business insurance-commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. 

WORKERS COMPENSATION

Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain".

COMMERCIAL AUTO

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered. 

GROUP HEALTH INSURANCE

Group major medical insurance is a policy purchased by an employer and offered at a benefit to the eligible employees of the company. At Sumner Insurance Services we are specialists in group major medical coverages.  We represent a number of qualilty companies and can help you find the right coverage with good rates. 

CHURCH

Church insurance helps protect the many needs of your congregation. This can include Building Coverage, Comprehensive General Liability, Personal Property, Counseling Professionals, Directors and Officers, along with Data Compromise and Identity Restoration.