Two things, done well: commercial multi-peril and surety.
Sunset National Insurance Company is a California stock insurer in Culver City writing Businessowners and package policies for California businesses, and surety bonds for the people who build, license and litigate here.
Get notified when we openOne carrier for the building, the income, the liability and the bond.
Commercial multi-peril
The Businessowners policy for small and mid-size businesses, and package policies for the accounts that outgrow it: property, business income and liability on one policy, underwritten and rated in-house.
- Businessowners policy
- Commercial package
- Habitational and association package
- Contractors, lessor's risk and healthcare facility packages
Surety bonds
Contract, license and permit, court and fidelity bonds, issued to the obligee's own form, with powers of attorney and bonding capacity managed for our appointed producers.
- Bid, performance, payment and maintenance bonds
- Contractor's license, dealer, broker and notary bonds
- Appeal, injunction, probate and guardianship bonds
- Employee dishonesty and ERISA bonds
Decisions made here, not forwarded somewhere else.
Tell us about the risk
Through an appointed producer, or the interest form on this site. A few questions about the business, the building and the coverage you want.
Underwritten in-house
Our underwriters rate and decide every risk against written guidelines, with the reasons attached, usually the same day.
Issued electronically
Declarations, the filed coverage form and every endorsement delivered as one document, and the executed bond delivered to the obligee.
Serviced by people
Endorsements, renewals, billing and claims handled by the same small team, under California’s claims-handling rules and timelines.
Appointed producers bind on their own authority.
We appoint California-licensed producers to write the programs and bond types we agree on, with binding limits, a commission fixed at appointment and paid on collected premium, and a producer portal where the whole file lives: quotes, policies, bonds, claims, billing and your statement.
A specialty carrier, built from the ground up in California.
Organized in 2024 as a California stock insurer and funded by its parent, an affiliate of the Sunset Equity group of real estate, construction lending and property management companies, Sunset National Insurance Company is being built as a disciplined, service-driven carrier: underwriting profit over premium volume, decisions made in-house, and plain dealing with policyholders, obligees and producers.
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