Payne & Brown Insurance

Payne & Brown Insurance Payne & Brown Insurance Agency is an independent insurance agency representing several highly rated

Payne & Brown Insurance Agency was founded in 1969 out of Jerry Payne’s home. After Jerry Payne’s retirement, Steve Brown took over in 1992. Steve Brown has been in the insurance industry since 1987 when he started out as an underwriter for a regional insurance carrier. Payne & Brown Insurance Agency is an independent insurance agency representing several highly rated regional insurance carriers.

The companies we represent are some of the finest in the industry. We make sure the companies we represent have excellent customer service as well as a reputation for fast and fair claims assistance. We will find the best company for your specific needs and give you the highest level of protection.

Getting your student ready for a new school year is a big transition, and it’s a great time to make sure their insurance...
08/05/2026

Getting your student ready for a new school year is a big transition, and it’s a great time to make sure their insurance coverage is still the right fit. As an independent Ohio insurance agency, we know how quickly needs can change.

Whether they’re moving into a dorm, renting an off-campus apartment, or taking a car to school, certain coverages deserve a quick review. These updates can help protect their belongings, their vehicle, and their overall peace of mind.

As back-to-school approaches, now is the perfect moment to double-check your policies and make sure everything is up to date. Our team is always here to walk you through your options and answer questions. Give us a call at (740) 965-4472 if you'd like help reviewing your coverage.

Most businesses make crucial employment-related decisions on a regular basis, and for the most part, these decisions go ...
07/28/2026

Most businesses make crucial employment-related decisions on a regular basis, and for the most part, these decisions go smoothly. But what happens when something goes wrong in the process?

That’s where employment practices liability insurance (EPLI) comes in. This key coverage can act as a safety net if a business is involved in an employment-related legal conflict. It can help with:

🔵 Defense costs - Many EPLI policies help cover legal defense expenses associated with covered claims, and in some cases, these costs may be covered regardless of the case outcome.
🔵 Settlements or judgments - Policies may help pay covered settlements or court-awarded damages, though this is subject to policy limits, exclusions, and terms.
🔵 Third-party claims (optional coverage) - Some policies include coverage for claims brought by non-employees, such as customers or vendors.

That said, not all policies are the same. Details such as exclusions, limits, and whether coverage is claims-made can significantly affect how the policy responds.

If you want to learn more about EPLI or review an existing policy, don’t hesitate to reach out to our team. We are here to help you ensure that your business is fully protected.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

The dog days of summer are here, and we are just stopping by to say hello! We hope you’re soaking up the sun, catching a...
07/15/2026

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.

As we get closer to boating season, our team has been having more conversations with clients who are either getting thei...
07/08/2026

As we get closer to boating season, our team has been having more conversations with clients who are either getting their boats back in the water or are taking a fresh look at their overall liability protection on the water.

This is a good time of year to revisit boat insurance, especially since more people are getting out and enjoying the water. Swipe for an overview of common boating accidents, liability, and how boat insurance can help.

If it’s been a while since you last reviewed your policy, or if you want to get set up with your own dedicated boat policy, we are happy to help. Feel free to reach out, and we can start the conversation.

Happy Fourth of July! 🇺🇸Two hundred and fifty years of liberty is worth celebrating with everything you’ve got. Whether ...
07/03/2026

Happy Fourth of July! 🇺🇸

Two hundred and fifty years of liberty is worth celebrating with everything you’ve got. Whether that means fireworks, family, or a mouth-watering backyard cookout, our team hopes you have a patriotic and joyful celebration.

Please note: We will be closed on July 3rd in observance of the holiday.

Wishing you a safe and happy Independence Day! 🎆

If there is one thing worth celebrating, it’s knowing that when life gets unpredictable, you are not facing it alone. Th...
06/26/2026

If there is one thing worth celebrating, it’s knowing that when life gets unpredictable, you are not facing it alone.

That is exactly why we do what we do, and clients like you make it all worthwhile. So, this National Insurance Day, we want to thank you for trusting us with your insurance needs.

As always, if you have any questions or needs, don’t hesitate to give us a call. We are here to help you!

Happy Father's Day to all the fathers and father figures who show up with dedication, patience, and purpose.The day is a...
06/21/2026

Happy Father's Day to all the fathers and father figures who show up with dedication, patience, and purpose.

The day is a chance to honor the dads and father figures who have taught us life lessons, made us laugh, and shown us what dedication looks like.

To those celebrating, being celebrated, or honoring the memory of someone who shaped your journey, we wish you a meaningful day filled with appreciation.

Summer is here, and many homeowners are either adding exciting features to their backyards or getting them ready for a s...
06/16/2026

Summer is here, and many homeowners are either adding exciting features to their backyards or getting them ready for a summer full of fun.

While additions like pools, playgrounds, trampolines, and more can create memorable experiences, they can also increase your liability exposure. Swipe for a few key steps you can take to ensure you’re prepared for the liability risks associated with common backyard toys.

Summer fun doesn’t have to come with extra risk. Our team can help you review your homeowners’ liability limits, discuss additional coverage options, and make sure required safety measures are in place. Give us a call today, and we can get started.

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks ar...
06/04/2026

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks are exciting, but they also contribute to thousands of emergency room visits and fires each year.

While small displays put on near the home often seem safe, small fireworks can still pose a serious safety risk. However, there are plenty of ways to celebrate safely this summer. This can include laser light shows, drone displays, festive block parties, glow sticks, and confetti poppers.

It’s important to remember that even with precautions, accidents can still happen. Now is a good time to check in on your coverage and make sure you understand your liability basics heading into the season.

Have questions about your policy? Don’t hesitate to reach out to our team. We are here to help you.

Address

35 S Columbus Street
Sunbury, OH
43074

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17409654472

Website

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