Business General Liability Insurance

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting business can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination.

That’s why Farmers® offers small business liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.

Because every Farmers agent is also a small business owner, each one has an understanding of some challenges faced by small businesses like yours. They can offer insights and discuss insurance options as you choose customizable coverage options for your company.

Here are some risks you may want to manage — and potential solutions:

Risk:

A customer trips on a fixture at your business and is injured.

Coverage:

Premises and operations can help with hospital bills and damages — as well as coverage for your business if the customer sues for negligence.


Risk:

A former client files and wins a lawsuit over work performed by your company.

Coverage:

Products and completed operations can help with the defense costs and — in some cases — the legal damages for which you may be responsible.


Risk:

You lose confidential business and customer data when your computer system is hacked.

Coverage:

Cyber liability and data breach can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.


Risk:

A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company.

Coverage:

Employment Practices Liability can help cover your business entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.


Some popular business insurance options

Liability coverage is just one component in a full menu of business insurance available from Farmers. Your agent can also discuss coverage options for other possible risks like:

Risk: Coverage:
Risk:

A small fire in your shop’s work area causes structural damage and destroys inventory.

Coverage:

Business property insurance can help provide coverage to help your business recover from unexpected damages due to covered perils. 

Risk:

While momentarily distracted, your delivery driver has a fender bender in a parking lot.

Coverage:

Commercial auto insurance can help provide coverage for bodily injury or damage to other vehicles and property for which you or your employees are legally responsible. 

Risk:

You discover an employee has been stealing cash from the register.

Coverage:

Commercial crime insurance can help provide coverage for your business in the event of a crime.

Farmers Works to Build Strong Customer Relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready for a small business insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

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

Contact an agent today to discuss how Farmers can help you manage your liability risks.

 

Is there an easy way to show customers I have liability coverage?

Q: My business often operates on someone else’s property. Is there an easy way to let my customers and clients know I'm insured?

A: Yes, there's an easy way — and it starts with something called a Certificate of Insurance, or COI. It's like an auto insurance ID card that summarizes your business insurance coverage, and contains important basics like policy expiration date, individuals covered and dollar amount of coverage. Some COIs also include the type of policy, such as professional or general liability.

- Ron Henderson, a Farmers Insurance agent based in Palm Desert, California.

Read more about Certificates of Insurance.

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