Farmers® Business Insurance

Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

  • Research business insurance options by coverage type and industry type.
  • Understand the value Farmers agents and claims representatives add to your experience.
  • Get answers to insurance questions that are often asked by small business owners like you.

Our goal here is simple: To equip you with information so you can choose the commercial insurance coverage you want for your business.

Browse business insurance coverage types

Business owners have told us they like the customizable policies Farmers offers - and these are the major components in your robust menu of business insurance options.

Additional business insurance options to consider

You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

- For owners of small apartment buildings, large apartment complexes and everything in between.

Auto Service and Repair - For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

Commercial Real Estate - For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

Education and Non-Profit - For organizations including schools and civic groups.

Home and Building Service - For independent contractors such as plumbers, electricians, landscapers and painters.

Homeowners Association - For governing bodies that manage the common areas and other aspects of a homeowners association.

- For the owners of hotels, motels and bed and breakfasts.

Manufacturing - For companies that manufacture products of virtually any type.

Office - For the offices of independent professionals such as doctors, lawyers and consultants.

Religious Organization - For churches, synagogues, mosques, temples and other types of religious organizations.

Restaurant and Food Truck - For owners of food trucks and quick service, casual and fine dining restaurants.

Retail Store - For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

Wholesale - For businesses that provide wholesale goods and services to retail industries.

Can I purchase business property and business liability coverage in a single policy?

Q:My business is starting to take off, and I know it’s time to get insured. A friend tells me there may be a single policy to help make it easy on myself.

A: While small businesses like yours can buy insurance policies separately, many insurers to combine the common property and liability coverages into a single policy, called a Business Owners Policy or BOP. 

- Bart Baker, a Farmers Insurance® agent based in Malibu, California.

Read more about Business Owner Policies

Why Choose Farmers?

We’ve spent 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

The value of a Farmers agent

Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

As a small business owner who lives and works in your community, your Farmers agent also has a unique understanding of the challenges your business is likely to face.



The ease of a Farmers claim

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

In the unfortunate event of a large-scale disaster, Farmers may even dispatch a Catastrophe Response Team in a Mobile Claims Center bus to process claims on-site in real time.

The experience of Farmers insights

You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

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Business knowledge with a personal touch

Work with an experienced Farmers agent to understand coverage options, to help you protect the business you have worked so hard to build.

Find a Farmers Agent