Cover your business with Farmers® when faced with accidents, injuries or other unintentional customer problems.

Business liability insurance options

Minimize Your Business Risks With Business Liability Insurance

Anyone who comes in contact with you or your employees in the course of your business can file a claim or lawsuit against you for any number of reasons—from a customer injury to a broken contract.

Farmers business liability insurance provides coverage for your business to help with covering challenging situations and the associated costs of legal defense and legal damages, up to the policy limits selected.

Connect with a Farmers agent who can provide knowledge and discuss coverage options available to your business.


Many scenarios, one customized solution

Farmers Business Liability insurance can provide coverage to help businesses mitigate potentially devastating lawsuits, with coverage options including:

Premises and operations

A customer trips on a fixture at your business and is injured. Business liability can help provide coverage for the resulting hospital bills and damages, as well as coverage for your business if the customer sues for negligence.

Products and completed operations

A project your company builds or undertakes is flawed, a lawsuit is filed and the former client wins. Farmers business liability insurance can include coverage to help with the defense costs and, in some cases, the legal damages for which the policyholder may be responsible.

Cyber liability and data breach

Your computer system is hacked, and you risk losing confidential business and customer data to online theft. Cyber liability insurance coverage 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.

Employment practices liability

If you've been in business for a few years or operate in an industry with high turnover rates, you've likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees, or even applicants that you did not hire, can bring legal action against your business at any time. Farmers employment practices liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination and other employment-related offenses.

Friendly service, a focus on safety

Farmers agents offer personalized service to help you understand your options, and a claims team that’s the friendliest in the business. Contact a Farmers agent to get more details on business liability insurance today.

This brief summary is for illustrative purposes only and is not a policy document.  Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms.  If there is a conflict between this summary and the policy documents, the policy documents will control.  Not all products, coverages, options and discounts are available in every state.