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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:

  • Damage or destruction to your business vehicles

  • Certain liability exposures resulting from the operation of your business vehicles

  • Damage or destruction to your office equipment or inventory

  • Loss of income in case you have to close-up shop temporarily because of a covered loss

  • Certain business related liability exposures such as, wrongful entry or search, libel, and slander

  • Offenses arising out of your business' advertising

  • Risks to your cargo while in transit or storage

  • Theft or loss of tools and equipment

  • 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:

  • Commercial Automobile Protection including Auto Liability, Collision, Comprehensive and Rental Reimbursement coverages.

  • General Liability Protection including Bodily Injury Liability, Property Damage Liability, Personal Injury Liability, and Advertising Liability coverages.

  • 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 may a need commercial auto insurance policy. 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


Commercial Insurance

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