Protect Your Business, Your Way

Farmers offers flexible business insurance options to cover the many different areas where your  services firm might need coverage. Tell us more about the specific nuances unique 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  services firm. 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. Farmers has the financial security, resources and knowledge to help you meet your insurance needs, having 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
Your day-to-day operations are complex; understanding business insurance doesn’t have to be. Our customized Farmers  Services Package helps you protect your business, covering elements such as: office and equipment damage, to employee or customer 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 or replacement of damaged physical assets in the event of windstorms, theft fire, hail or vandalism.  This may include furniture, fixtures, and valuable office equipment.
• Business Liability Insurance for financial losses resulting from claims of injury or property damage caused by you, your employees, or products and services that you provide.
• 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 and your employees.
• Business Crime Insurance for losses resulting from wrongdoing like forgery, theft or robbery by a third party.
• Life Insurance for  Services providers that can help you survive the loss of a key employee or partner, as well as retain and reward your top people.
• Retirement Benefits for  Services providers that can help you secure your financial future and that of your employees.
• Umbrella Coverage that can help you protect your firm from the effects of potentially ruinous lawsuit with additional liability coverage.

Additional insurance features you should consider adding for your  services firm include:

• Non-Owned Auto Coverage that can help you if an employee is involved in an auto accident while driving his or her own vehicle for business-related purposes.
• Employment Practices Liability Insurance that can provide coverage for your firm 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  services firm and employees with business insurance. However, the specific needs of your firm 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.