Protect Your Business, Your Way

Farmers offers flexible business insurance options to cover the many different areas where you might need coverage. Tell us more about the specific nuances of your business and let a Farmers agent help you tailor coverage solutions that are best suited for you.

You’ve achieved your dream of owning  property. But as you know, the boundless opportunities of ownership come with plenty of risk. When you’re confident that you have taken the steps to safeguard your organization’s people, property and revenue from the unexpected, you can focus on what’s most important—running your business.

Rated by AM Best, Standard and Poor’s and Moody’s as one of the top tier insurers, Farmers helps you protect the investments you’ve made so you can focus on how to keep your business on the road to long-term success. Having helped and been trusted by millions of customers for more than eight decades, Farmers has the financial security, resources and knowledge to help you meet your insurance needs. We have industry-based solutions that our local agents can help you tailor to fit your business.

Your day-to-day operations are complex; understanding business insurance doesn’t have to be. Our customized Farmers  Package helps you protect your business, covering elements such as: building damage, vandalism, recovery of valuable papers and records, equipment breakdown, and employee or visitor injuries onsite. Obtaining the type and amount of insurance that you want for your property will help you fill gaps in coverage where you need it most.

At a minimum, you should consider the following coverage:

• Business Property Insurance for the repair or replacement of damaged physical assets such as furniture, fixtures, equipment, computers, telephone equipment, refrigeration and air conditioning units if your property is hit by a windstorm, fire or hail.
• Business Liability Insurance for financial losses resulting from claims of injury or property damage caused by you, your employees, or products and services you provided.
• Workers’ Compensation Insurance for your employees’ medical needs in case of a work-related accident, injury or disease, and to make a quick return to work possible. This also minimizes the risk of lawsuits by employees.
• Business Auto Insurance for losses due to injuries to other drivers, passengers and pedestrians caused by you or your employees.
• Business Crime Insurance for losses resulting from wrongdoing like theft, forgery or robbery by a third party.
• Life Insurance for  Owners that can help you retain and reward your top people, survive the loss of a key employee or partner, as well as plan for business succession.
• Retirement Benefits for  Owners that can help you secure your financial future and that of your employees.
• Umbrella Coverage that can help you protect your business from a potentially ruinous lawsuit with additional liability coverage.

Additional insurance features you should consider for your business include:

• Building Limit – Automatic Increase Coverage that can help you increase the coverage for assets such as equipment, furniture and fixtures by a specific annual percentage if your  property is damaged or destroyed by a fire or other hazard.
• Tenants Move-Back Coverage that can help you cover costs for tenants to return to your  property after being temporarily relocated if your property was damaged or destroyed by a fire, windstorm or other hazard.
• Building Glass Coverage that can help you cover costs to repair and replace damaged glass due to a number of factors including vandalism.
• Valuable Papers Coverage that can help you cover costs to research and reconstruct damaged records, such as books, drawings, abstracts, deeds and manuscripts.
• Non-Owned Auto Coverage that can help you if an employee is involved in an auto accident while driving a personal automobile on company business.
• Employment Practices Liability Insurance that can provide coverage for your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

If You’re Already Covered

You’ve made a sound choice to protect your business and employees with business insurance. However, your organization has specific needs which may change over time. Reviewing your policy year after year helps you to understand whether your current coverage continues to meet your changing needs. When in doubt, contact a Farmers agent for help. Farmers also offers lines of insurance for many aspects of your life, both professional and personal. Ask your agent about auto, home, motorcycle, recreational vehicle coverage that can complement your business insurance policy.