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As a business operating in an office setting, you are keenly aware of the many hazards that could affect your investment. One of the most important things you can do is select the coverage that you feel best suits your business insurance needs. We have coverages available for you to purchase that may help your peace of mind.
Our highly dedicated, top-tier Claims professionals are here to help you get back where you belong. Let our Loss Control Professionals work with you to help you prevent potential losses in your business. See how our Loss Control can help. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.
Office Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:Property and Inland Marine
- Buildings at Replacement Costs or Actual Cash Values
- Automatic Increase in Building Amount (inflation guard)
- Contents at Replacement Costs or Actual Cash Values
- Automatic Increase of the contents for seasonal fluctuation
- Personal Property off-premises coverage
- Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
- Loss of income & extra expense from power interruption
- Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
- Comprehensive equipment breakdown coverage
- Coverage extension to newly acquired buildings and contents
- Fire department service charge and extinguisher recharge cost
- Outdoor signs
- Debris removal & pollutant clean up cost
- Back up of sewers or drains
- Accounts Receivables and Valuable Papers coverage
- Computer equipment including Media & Records
- Earthquake or earthquake sprinkler leakage
Crime
- Employee Dishonesty
- Forgery & Alteration
- Money & Securities - both inside and outside the premise
- Money Orders & Counterfeit Currency
General and Other Liability
- Operations and Premise liability including parking lot liability
- Personal and Advertising injury liability
- Products and Completed Operations liability
- Contractual and Owners Protective liability
- Hired and Non-owned automobile liability
- Employee Benefits Liability
- Medical Payments and Tenant's legal liability
Automobile Liability
Workers Compensation and Employers Liability
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