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We can provide coverage for all types of risk and exposures. Over the years, we
have built strong business relationships with clients and our insurance
providers to be able to effectively monitor the marketplace and identify new
and improved programs that will serve our clients. Our underwriting
relationships and strong understanding of the potential risks enables us to
identify the best coverage and/or program that will meet your insurance needs.
Commercial insurance is designed to help protect many of the risks your
business can face, including:
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Damage or destruction to your business vehicles
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Certain liability exposures resulting from the operation of your business
vehicles
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Damage or destruction to your office equipment or inventory
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Loss of income in case you have to close-up shop temporarily because of a
covered loss
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Certain business related liability exposures such as, wrongful entry or search,
libel, and slander
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Offenses arising out of your business’s advertising
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Risks to your cargo while in transit or storage
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Theft or loss of tools and equipment
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Crime coverage including robbery, burglary, even employee dishonesty
Chances are, your business is as unique as you are – calling for a flexible and
individualized insurance plan. But generally, many businesses need:
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Commercial Automobile Protection including Auto Liability, Collision,
Comprehensive and Rental Reimbursement coverages.
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General Liability Protection including Bodily Injury Liability, Property Damage
Liability, Personal Injury Liability, and Advertising Liability coverages.
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Business Property Protection which helps protect your building and contents in
case of direct physical loss.
Another coverage worth considering is Umbrella Excess Liability Insurance
that provides higher liability limits, over primary liability insurance held by
your business.
General Liability:
General liability insurance includes coverage for legal liability for bodily
injury or property damage to others as a result of conditions of or on your
premises, or as a result of your work or operations or your products or
completed operations. It also provides coverage for legal liability for
personal injury and advertising injury sustained by others and arising out of
your business. General liability insurance can be tailored to cover risks
specific to your business or organization.
Property Insurance:
Property insurance includes coverage for buildings, business personal
property, property of employees, property of others, leased or rented property
and other types of fixed property. This coverage can be purchased as part of a
business package policy or as separate coverage. Property insurance is
important to your organization for losses beyond damage to a building and
inventory. This insurance covers damage to or loss of items such as money and
securities, accounts receivable records and other important papers or
documents.
Workers Compensation:
Workers compensation insurance provides benefits to employees for
work-related injuries. Coverage includes medical care and a portion of lost
wages when the employee is unable to work. Workers compensation insurance also
provides benefits for the employee's dependents if the employee dies during
work-related duty. State laws require most employers to carry workers
compensation insurance.
Business Auto:
You wouldn't dream of driving your personal automobile without
insurance. It's just as important to protect your company vehicles. Even if you
have personal auto insurance, you still need commercial auto insurance. That's
because vehicles involved in an accident while engaged in company business may
not be covered by your personal insurance. A discussion with a representative
of Sumner & Toner should include business use autos, pickups, vans, trucks
and non-owned and rented vehicles. You may also want to include a conversation
about "non-owned" vehicles- when employees use their own vehicles to run
errands; and rented vehicles-when an employee travels and needs to rent a car
Contact us today for more information about an
Commercial Insurance quote
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