What coverages do I need? Do you have adequate insurance to cover your business from loss due to crime, fire, flood, equipment failure, injury or the death of a key employee?. As a business owner, you need to choose the coverage that matches your needs. Consider Farmers Business Insurance coverage for the following: Buildings - including improvements you have made. Business continuation - death of an owner, partner or key stockholder Contents - personal property, stock and equipment. Crime - loss of money and securities through theft, burglary and robbery; employee dishonesty; forgery and alterations.