Contractor Insurance

When you’re in the contracting business, you know surprises happen all the time. Farmers® knows it, too, and understands that your independent business needs support when unexpected events occur.

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That’s why Farmers makes it easy for plumbers, electricians and landscapers and other contractors to get the coverage they want in a single, easy-to-manage policy.

Farmers agents are small business owners, too, and serve as a knowledgeable resource when you’re choosing coverage for your home and building service.

Here are some of the ways you can manage typical risks:


Property damage



A faulty electrical socket sparks a fire in your main office.


Business property insurance can help with the repair and replacement of structures, equipment and valuable paperwork damaged in a fire or other covered disaster.


Injured Friend


You’re liable when an elderly homeowner breaks a hip after tripping on your extension cord during a remodeling project.


Business liability insurance can help cover expenses when you or your employees are responsible for injuries or property damage.




Someone breaks into your trailer while it’s parked at a work site and steals all of your tools.


Contractors’ tools and equipment coverage can help repair and replace tools and equipment that are lost to theft.

Employee Theft



After an employee quits abruptly, you discover he stole equipment from your company van.


Business crime insurance helps cover losses resulting from robbery or employee wrongdoing, such as fraud, forgery or theft.

Farmers helps you stay in control

Farmers wants to make your experience as seamless and personalized as possible:

  • At Farmers, you build your own policy and decide exactly what coverage you need — perhaps that includes workers’ compensation, commercial auto coverage and life insurance.
  • If you need to file a claim, you won’t waste time navigating an automated phone system — you or your agent can get online and file a first notice of loss at your convenience.
  • Free loss control services can help you identify existing hazards and educate your employees with safety seminars and customized materials. There may also be discounts when you implement safety recommendations.

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 to get a home and building services 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.

To learn more about what Farmers can do for your home and building service, call an agent today.


Farmers agent

Customizable options, personalized advice.

Talk to a Farmers® agent about coverage for your homebuilding business.

Find a Farmers agent

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Who is Covered by My Business Insurance?

Your business policy can cover a wide range of people who have an interest in your company or perform work on its behalf. The coverage provided by your policy helps you protect yourself and others with an ownership stake in the company. In other words, a single business policy can cover the interests of all owners.

What Does Business Liability Insurance Cover?

Congratulations on the new business! Looking into business insurance options is a smart move. Business liability insurance coverage can help you pay legal costs when someone — such as a customer or visitor — is hurt or suffers property damage and blames you and your business. If your company is found to be at fault, your business is legally responsible for the costs.