Business Insurance

At Farmers, we make it our business to stay in step with the specialized insurance needs of your business.

Our coverage is specially tailored to the unique needs of different industry segments of solutions that can help you meet the challenges that come your way—no matter what kind of business you own.

Additionally, we offer Workers’ Compensation as well as another product to provide an extra measure of protection, Surety Bonds.

Just like building a business, building an effective insurance program is done in steps. A good first step is working with a Farmers agent to put together the right policy for the unique challenges facing your business.

Just like building a business, building an effective insurance program is done in steps. A good first step is working with a Farmers agent to put together the right business owner's insurance policy for the unique challenges facing your business. Find the right commercial business insurance line right for your company at Farmers.com.

• Artisan Contractor 
• Automotive Trades 
• Commercial Real Estate 
• Habitational 
• Manufacturing 
• Restaurant 
• Retail/Service 
• Wholesale/Distribution

Please contact your Farmers agent for more information.

Farmers artisan contractor coverage is a broad, comprehensive program for special trade contractors. It offers expanded coverage to meet the specialized needs of those involved in two major segments of the construction industry: artisan contractors and service providers.

Artisan contractors Service providers 

• Appliance Installation
• Landscape gardeners 
• Plumbers
• Janitorial services 
• Electricians
• Carpet cleaners 
• Heating and air conditioning     
• Painters     
• Floor Covering Installation    

Coverage Details for Artisians

Property
Your agent will work with you to customize property coverage's to meet your individual needs, including buildings, business property, business continuation and your tools and equipment.

General Liability
Our Liability coverage offers protection for premises, products, contractual, personal and advertising injury, as well as many other liability exposures.

Business Auto
We provide broad coverage for the vehicles you own or rent and use in your business.

Crime
Farmers offers coverage ranging from theft of personal property to employee dishonesty, depositor's forgery and broad form money and securities coverage.

Whether you own a new or used auto dealership, a repair garage or a chain of transmission shops, Farmers has an affordable plan customized to meet the specialized needs of your auto sales and/or service business.

Automotive Trades coverage is available for:

• Body shops
• Transmission shops
• Repair garages
• Muffler shops
• Auto dealerships
• Auto glass shops
• Quick-lube oil change outlets
• Gasoline service stations

Coverage details for repair and service

Property 

• Building(s)*
• Business personal property including stoc
• Leasehold interest
• Extra expense
• Business income
• Employees' tools
• Electronic data processing equipment
• Valuable papers and records
• Accounts receivable
• Glass
• Backup of sewers and drains
• Outdoor signs
• Outdoor property
• Lock replacement
• Fire department service charge
• Fire extinguisher recharge expense
• Arson conviction reward
• Debris removal
• Property of others
• Replacement cost
• Inflation guard
• Equipment breakdown
• Cargo coverage
• Earthquake (in states where available)

* available if you own the building or your lease agreement requires you to insure it.

Garage and General Liability 

• Owned auto coverage
• Physical damage to owned vehicles
• Premises and operations
• Products/completed operations
• Fire legal liability
• Personal and advertising
• Contractual liability
• Protective liability for acts of independent contractors
• Host liquor liability
• Incidental medical malpractice
• Non-owned watercraft
• Spouse or partners insured
• Limited worldwide liability
• Uninsured/underinsured motorists
• Garage medical payments
• Personal injury protection (where available)
• Hired autos
• Individual named insured
• Broad form products
• Elevator liability 

Auto coverage's 

• Bodily injury and property damage
• Uninsured/underinsured motorists
• Non-ownership liability
• Hired auto coverage
• Auto medical payments
• Personal injury protection (where available)
• Physical damage - comprehensive
• Physical damage - specific causes of loss
• Physical damage - collision
• Physical damage - towing and labor
• Drive other car coverage
• Hired autos specified as covered auto
• Cargo coverage
• Additional insured - lessor
• Rental reimbursement coverage
• Tapes, records and discs (where available)
• Audio, visual and data electronic equipment 

Crime coverage's

• Money and securities
• Employee dishonesty
• Robbery and safe burglary
• Robbery and safe burglary - money and securities
• Premises burglary
• Premises theft and robbery outside
• Extortion
• Forgery or alteration
• Theft, disappearance and destruction

• Building(s)*
• Business personal property including stock
• Business income and extra expense
• Extra expense
• Leasehold interest
• Employees' tools
• Electronic data processing equipment
• Valuable papers and records
• Accounts receivable
• Glass
• Backup of sewers and drains
• Outdoor signs
• Outdoor property
• Lock replacement
• Fire department service charge
• Fire extinguisher recharge expense
• Arson conviction reward
• Debris removal
• Property of others
• Replacement cost
• Inflation guard
• Equipment breakdown
• Cargo coverage
• Earthquake (in states where available)

* Available if you own the building or your lease agreement requires you to insure it.

Automotive Sales and Dealership coverage package
  
The following coverage package is available to clients who sell automobiles:  

• Title errors and omissions coverage
• Odometer liability
• Truth in lending errors and omissions
• Insurance agents errors and omissions
• Product deficiency liability
• Individual names insured for dealers
• False pretense coverage
• Dealers drive-away collision

Garage and General Liability

• Owned auto coverage
• Physical damage to owned vehicles
• Premises and completed operations
• Products/completed operations
• Fire legal liability
• Personal and advertising
• Contractual liability
• Protective liability for acts of independent contractors
• Host liquor liability
• Incidental medical malpractice
• Non-owned watercraft
• Spouse or partners insured
• Automatic liability coverage for newly acquired dealerships
• Limited worldwide liability
• Independent contractors
• Uninsured/underinsured motorists
• Garage medical payments
• Personal injury protection (where available)
• Hired autos
• Individual names insured
• Broad form products
• Physical damage to owned vehicles
• Elevator liability

Auto coverage's  

• Bodily injury and property damage
• Uninsured/underinsured motorists
• Non-ownership liability
• Hired auto coverage
• Auto medical payments
• Personal injury protection (where available)
• Physical damage - comprehensive
• Physical damage - specific causes of loss
• Physical damage - collision
• Physical damage - towing and labor
• Drive other car coverage
• Hired autos specified as covered auto
• Motor truck cargo
• Additional insured - lessor
• Mobile equipment - scheduled equipment
• Rental reimbursement coverage
• Tapes, records and discs (where available)
• Audio, visual and data electronic equipment

Crime coverage's   

• Money and securities
• Employee dishonesty
• Robbery and safe burglary
• Robbery and safe burglary - money and securities
• Premises burglary
• Premises theft and robbery outside
• Extortion
• Forgery or alteration
• Theft, disappearance and destruction

Farmers Commercial Real Estate coverage provides a comprehensive program to property owners who lease or rent building space used for offices, service businesses, retail stores, light industrial or light manufacturing. Parking areas may be included in the coverage if used by the building occupant and customers.

We offer coverage for:

• Office buildings
• Retail shopping centers
• Buildings used for manufacturing, industrial, assembly
• Processing or service buildings
• Private commercial warehouses
• Mixed occupancies: office, retail, light manufacturing, industrial, assembly, processing or service buildings

Coverage details for Commercial Real Estate

Property
Customized to meet your individual needs for coverage of building, business property, business continuation, crime and equipment breakdown.

General Liability
Includes coverage for personal and advertising injury and fire legal liability exposures. We also offer coverage for supplementary payments and medical payments to others.

Business Auto
We provide broad coverage for the vehicles you own or rent and use in your business.

Crime
Farmers offers coverage from theft both inside and outside your establishment, employee dishonesty and depositor's forgery and offers broad form money and securities coverage.
Additional coverage's for shopping centers and office buildings

Primary Package Premier Package 

Loss of rents

• Back-up of sewers or drains
• Arson conviction reward
• Lock replacement
• Building glass
• Outdoor signs
• Computer coverage
• Equipment breakdown
• Extended replacement cost
• Extended premises boundary
• Tenant's moveback
   

Apartment and condominium owners have special needs when it comes to finding comprehensive insurance coverage designed for multi-family housing units. Farmers Habitational coverage safeguards your assets plus offers options such as liability protection for condominium association members and loss of rental income for apartment owners.

Coverage options include:

• Master Key
• Expanded Directors and Officers Liability (condominium)
• Business Income (apartment)

Coverage Details foe Apartment and condominium owners

Property
Customized Property coverage tailored to meet your individual needs, including: buildings, business property, loss of rents, replacement cost, inflation guard and equipment breakdown coverage.

Property
Customized Property coverage to meet your association's individual needs, including: buildings, business property, association fees, replacement cost, inflation guard and equipment breakdown coverage.

General Liability
Offers protection for premises, contractual, personal and advertising injury as well as many other liability exposures.

General Liability
Offers insurance for premises, personal and advertising injury as well as many other liability exposures.

Crime
Protection ranges from theft of personal property (inside and outside your complex) to employee dishonesty, depositor's forgery and broad form money and securities coverage.

Crime
Protection ranges from theft of personal property (inside and outside your complex) to employee dishonesty, depositor's forgery and broad form money and securities coverage.

Optional coverage's and limits
Apartment owners have unique requirements. We offer a choice of additional coverage's and higher limits in some areas such as outdoor signs and accounts receivable to meet your individual needs.

Optional Directors/Officers Liability
Provides protection to current as well as past board members from claims of negligence in fulfillment of duties and responsibilities. Volunteers, committee members and employees can also qualify for coverage.

Optional Unit-Owners coverage
Coverage for individual unit-owners' improvements and betterments is available. Choose from three unique unit-owners coverage options.
     

Manufacturing coverage
Farmers Manufacturing coverage is a comprehensive program to meet the special needs of business owners engaged in the mechanical or chemical transformation of materials into new products. It is available for the following five types of manufacturers.

Food manufacturers and processors

• Dairy products
• Fruit and vegetable products
• Candy, confectionery products
• Plastics and rubber products
• Plumbing fixtures
• Bottles and containers
• Office equipment manufacturers
• Disc drives
• Optical storage devices
• Calculating machines
• General office equipment
• Metal working and metal products fabricators
• Fasteners, bolts, nuts, screws, washers
• Flatware
• Pipes, metal tubes, fixtures
• Audio, video and communications equipment fabricators
• Household audio visual equipment
• Telephone equipment
• Electronic components and accessories

Coverage details for manufacturing

Primary Coverage Package for manufacturers includes: 

• Accounts Receivable
• Back-up of sewers or drains (optional)
• Building
• Claims expense
• Computer equipment
• Crime conviction reward
• Debris removal
• Employee dishonesty
• Fire department service charge
• Fire extinguisher recharge
• Forgery and alteration
• Increased cost of construction
• Lock replacement coverage
• Money and securities — inside/outside
• Money orders and counterfeit paper currency
• Newly acquired buildings
• Newly acquired business, personal property
• Outdoor signs
• Personal property off-premises
• Pollutant clean-up
• Preservation of property
• Seasonal automatic increase - BPP
• Spoilage/temperature change, optional
• Tenants glass, optional
• Trees, shrubs and plants
• Valuable papers and records
   

Premier Package for manufacturers

Provides the same coverage with higher limits plus these extra coverage's:

• Brands and labels
• Business income
• Customer property at replacement costs
• Equipment breakdown
• Theft, patterns and dies
• Theft, bullion and precious metals
• Utility services — time element
   

Liability coverage's*

• Products/completed operations
• Personal injury liability
• Advertising liability
• Broad form property damage
• Contractual liability
• Employees as additional insured
• Fire legal liability available
• Medical payments
  * Per occurrence limit-- $500,000 to $1,000,000
   

Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence. Farmers All-in-One Restaurant Package includes Business Liability, Property and Crime coverage's designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in providing insurance for the following types of restaurants:

• Buffets • Delis
• Cafes • Diners
• Cafeterias • Drive-ins
• Carry-out restaurants • Fast food
• Coffee shops • Food bars
• Fine dining restaurants • Family-style
• Luncheonettes • Sandwich shops

Make your restaurant the very best it can be!
Visit OneRestaurantPlace.com, your personal portal to information and resources. 
Coverage details for Restaurants

Building(s) * including: 
All garages, storage buildings and completed additions to the business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building including:
      -fire extinguishing equipment
      -floor coverings
      -drapes and appliances
Tenant improvements and betterments
Outdoor furniture

* Available if you own the building or your lease agreement
    requires you to insure it.

Business Personal Property 

• Personal property
• Personal property of others
• Accounts receivable
• Valuable papers and records
• Seasonal automatic increase
• Outdoor trees, shrubs and plants
• Newly acquired business personal property
• Consequential loss
• Replacement cost
• Debris removal
• Food spoilage
• Emergency removal
• Damage to building(s) from theft, burglary or robbery
• Off-premise personal property
   

Optional Property coverage's 

• Loss of earnings/business income
• Outdoor signs
• Building glass
• Deductible buy-back on glass/sign coverage
   

Business Liability coverage's 

• Products and completed operations
• Personal and advertising injury
• Employer's non-ownership
• Broad form property damage
• Contractual liability
• Employees as names insured
• Supplementary payments
• Fire legal liability
• Medical payments to others
• Parking area liability
   

Optional Liability coverage's 

• Liquor liability
• Additional names insured
• Employment practices liability
• Employee benefits liability
• Employers liability (stopgap)
   

Comprehensive Crime coverage's

• Broad form money and securities - inside
• Broad form money and securities - outside
• Depositor's forgery
• Employee medical payments coverage (due to crime)
   

Optional Crime coverage 
Employee dishonesty
 

Optional Auto coverage's 

• Hired, non-hired auto coverage
• Owned auto
• Garage-keepers, valet (except Va.)
   

Additional coverage's 

• Food-born illness — business income
• Fine arts
• Building ordinance
• Contamination shut down
• Earthquake coverage (in states where available)
• Earthquake sprinkler leakage
• Umbrella coverage
• Equipment breakdown
• Workers' Compensation (required if there are any employees on staff)
• Back-up of sewers and drains
   

The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage's and exclusions.

Retail/Service coverage
The fastest-growing business segment in the United States is retailers and service companies. Every day millions of these businesses provide a place for consumers to purchase retail goods or find services. And each one of these businesses has special needs when it comes to finding the right insurance program. That’s why Farmers Retail/Service offers a package of coverage's designed to meet the special insurance needs of the businesses listed below.

• Printer and copier stores
• Hardware and home improvement stores
• Food stores
• Retail stores
• Offices
• Dry cleaners
• Repair shops (other than auto)

Coverage details for retail and service companies

Building(s) * including: 
All garages, storage buildings and completed additions to the business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building including:
      -fire extinguishing equipment
      -floor coverings
      -drapes and appliances
      -outdoor furniture

*Available if you own the building or your lease agreement
    requires you to insure it.

Business Personal Property 

• Personal property
• Personal property of others
• Improvements and betterments
• Leased property
• Loss of income
• Valuable papers and records
• Accounts receivable
• Debris removal
• Emergency removal
• Newly acquired business personal property
• Property temporarily away from premises
• Seasonal automatic increase 

Optional Property coverage's

• Tenants exterior
• Building glass
• Employee dishonesty
   

Business Liability coverage's 

• Advertising liability
• Personal injury
• Products and completed operations
• Employers non-ownership
• Personal injury liability
• Broad form property damage
• Contractual liability
• Employees as individual names insured
• Fire legal liability
• Medical payments
• Parking area liability 

Optional Crime coverage (for additional premium) 

• Employee dishonesty
• Broad form money and securities - inside
• Broad form money and securities - outside
• Medical payments
• Forgery or alteration
   

Endorsements 
Primary package: Farmers has included the most frequently sought coverage's into a package known as the "Primary coverage package." 
  
Premier package: An optional package which adds new coverage and automatically increases many of the primary package coverage's. 
  
Talk to your Farmers agent about tailoring these broad coverage's to fit the individual needs of your small business.

The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage's and exclusions.

Wholesale Distributor

As a wholesaler or distributor, you have unique insurance needs. Farmers specializes in providing your business with carefully packaged coverage that delivers the goods no matter what kind of goods you deliver. We specialize in the following categories of business:

• Beverage distributors 
• Motor vehicle supplies, wholesalers — new parts 
• Office equipment dealers 
• Stationery and supplies distributors 
• Hardware wholesalers 
• Food and food products distributors 
• Building service equipment: 
• Plumbing 
• Heating and air conditioning 
• Electrical equipment and supplies
   

Coverage details for wholesaler or distributor

Property
Our program provides customized Property coverage's tailored to meet your needs, including buildings, business property, product recall expenses, business continuation and transportation.

General Liability
Provides coverage for premises, products, contractual, personal and advertising injury and many other liability exposures.

Business Auto
Covers the vehicles you own or rent and use in your business.

Crime
Provides protection from theft both inside and outside your establishment, employee dishonesty and depositor's forgery and offers broad form money and securities coverage.

Related coverage's 

• Workers' Compensation
• Employers' Liability
• Umbrella
• Employment Practices Liability
• Pollution Liability