This isn't just our tag line. It's why we exist.  

Our Beliefs

We believe that our clients deserve the best ideas, innovative ways to mitigate their risks, and insurance and risk management products that protect their company’s value. And this will never change.

At Vested Risk, our goal is to be a trusted advisor to our clients, not just selling you insurance. We help identify, prioritize and build a strategy to manage the risks you, your family and business face, delivering peace of mind and a sense of control beyond just insurance.

Changing for the better.

Our company has been around for over 80 years. But there might not be a single thing we do today that we did back then. And we’re proud of that.

Mark Omeara
Founding of O'Meara Sumnar Insurance


John O’Meara founded the O’Meara Insurance Agency in Hillsdale, Michigan. In 1965, Edmund Sumnar moved from Chicago, IL to Hillsdale, MI to join John and became the O’Meara-Sumnar Agency in 1966. John passed in 1974, leaving Edmund to assume management. Edmund’s son, Christopher, joined him in 2002. In 2010 Edmund retired, leaving Christopher to run the agency.

Scholl Insurance
Scholl Insurance


Earl and Susie Scholl founded Scholl Insurance, another family-owned and operated agency in Hillsdale, Michigan. Their sons, Larry & Robert, joined the business in the mid-1940s. Larry unexpectedly passed in 1973, leaving Robert to run the agency until 1980 when his son, Ronald, and Larry’s daughter, Kathy, took control. Kathy retired in 2012, leaving Ronald to run Scholl Insurance.



Christopher Sumnar of O’Meara-Sumnar Insurance and Ronald Scholl of Scholl Insurance decided to join forces, fusing their grandfather’s agencies into one: The Sumnar-Scholl Insurance Agency. Through this merge, Sumnar and Scholl began researching ways they could deliver more value to their clients beyond insurance placement.



The Sumnar-Scholl Insurance Agency acquired Dean Insurance Agency, Inc. - another family owned and operated agency - in Coldwater, Michigan. Founded in 1952 by John Dean, the Dean Insurance Agency was then transitioned to Dean’s son, Jeffrey, in 1972. Jeffrey retired in 2018. His daughter, Michelle (who joined Dean Insurance Agency in 1998), continues to serve clients at the Coldwater location.

Vested Building


In 2017, Sumnar-Scholl changed their name to Vested Risk Strategies as they took title in a more holistic and collaborative perspective on risk. Their new name isn’t a marketing play, it’s why they exist.

What We Do


Business Insurance

We work with business owners to ensure their business is covered.

Risk Strategies

We help business and individuals build a risk strategy that goes way beyond buying insurance.

Employee Benefits

We help businesses provide awesome employee benefits without breaking the bank. 

Personal Insurance

We help individuals & families protect everything that they care about.

A Few Words From Our Team


"Being a part of the Vested Risk team has allowed me to bring my clients a cutting edge and radically new approach to their risk management and risk financing. Our team provides the expertise and tools to help our clients gain and keep a competitive advantage over their competitors."

- Carter Wilson, Business Development Specialist



“I love being a part of an organization that truly wants everyone to succeed. Giving each team member a path that fits their unique ability and grow with their strengths creates an awesome work environment!”

- Carie Proctor, Personal Risk Team Lead