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Small/Large Commercial

Small Business Insurance
What is it?

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.  The experienced agents at Sumner Insurance Services can assist you with your coverage. 


Why do I need it?

As a business owner, you're at risk for losses from fire, break-in, vandalism, windstorm and other natural or man-made disasters.

Common Questions
What do I need to consider when purchasing commercial insurance?

1)  Building

Do you own a commercial building?  If so, do you have enough commercial property insurance to cover replacement costs?

2)  Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location.

3)  Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed.  It applies while the premises are being restored because of damage from an event, such as a fire or tornado. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster.

4)  Electronic Data Processing (EDP)

This policy is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

At Sumner Insurance Services we understand your business needs so you can get the coverage you want at the price you desire. Call today for a no cost, no obligation consultation to discuss your specific insurance needs. 

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