Protect Your Business, Your Way

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

You’ve achieved your dream of owning a  business. But as you know, ownership comes with both boundless opportunities and plenty of risks. 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 as one of the top tier insurers by AM Best, Standard and Poor’s and Moody’s, Farmers helps you protect the investments you’ve made so you can focus on how to keep your organization on the road to long-term success. Farmers has the financial security, knowledge and resources to help you meet your insurance needs, having helped and been trusted by millions of customers for more than eight decades. We have industry-based solutions that our local agents can help you to tailor to fit your business.

Your Business Insurance Options Explained

While your day-to-day operations are complex; understanding business insurance doesn’t have to be. Our customized Farmers  Business Owner's Package helps you protect your  business by covering elements such as: loss or damage to guests’ personal property, equipment breakdown, and employee injuries onsite. Obtaining the type and amount of insurance that you want for your  business 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 and replacement of damaged physical assets such as bedding and fixtures in the event of a fire, windstorm, vandalism, or other unexpected occurrence.
• Business Liability Insurance for financial losses resulting from claims of injury or property damage caused by you, your employees, or products and services you provide.
• Workers’ Compensation Insurance for your employees’ medical needs in case of a work-related accident, injury or disease, and to enable employees to return to work as quickly as 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, your employees or staff members.
• Business Crime Insurance for your losses resulting from wrongdoing like theft, forgery or robbery by a third party.
• Life Insurance for   Business Owners that can help you plan for business succession, survive the loss of a key employee or partner, as well as retain and reward your top people.
• Retirement Benefits for  Business Owners that can help secure your financial future and that of your employees.
• Umbrella Coverage that can help you protect your  business from the effects of a potentially ruinous lawsuit with additional liability coverage.

Additional insurance features you should consider adding for your business include:

• Guests’ Property Coverage that can help you cover your legal obligation to replace valuable personal property of your guests, including clothing, jewelry, computers and more if stolen or damaged while inside your premises.
• Guests’ Evacuation Expense Coverage that can help you cover costs to evacuate all guests if inclement weather or other event poses imminent danger and you’re forced to evacuate the premises.
• Host Liquor Liability Coverage that can help you cover financial damages caused by a guest who consumes too much alcohol on your premises, and then causes injury or damage to others.
• Garagekeepers Coverage that can help you cover damages to guests’ vehicles that are left with your lodging facility’s valet parking service or on your premises.
• Spoilage Coverage that can help you cover costs to replace perishable goods that can’t be served to guests because of a refrigerator breakdown or a power outage.
• Food Contamination Shutdown Coverage that can help you cover lost income due to a government-ordered shutdown caused by health concerns, such as E.coli.
• 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 business 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.