Farmers Insurance Group

Business Insurance - Farmers Insurance Group

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Category: Farmers Insurance Group
Published on Monday, 19 July 2010 11:30

farmer-insurance-group-businessAs a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs. In other words, you want Farmers Business Insurance.

Talk to your local Farmers agent about the many different coverages available. What kind of business are you in? Find the coverage for you:

  • Apartments
  • Manufacturing
  • Artisan Contractor
  • Office
  • Auto Service & Repair
  • Restaurants
  • Commercial Real Estate
  • Retail/Service
  • Condominiums
  • Wholesale Distribution

 

Apartments

Apartment owners can face severe financial consequences from a property loss by fire, wind or other causes. They also face potential losses from liability claims associated with swimming pools and spas, saunas, playground equipment, sponsored events, parking areas, advertising, and more.

With our extensive industry background, Farmers has designed insurance coverage forms that provide the most comprehensive and innovative insurance solutions for apartment buildings, no matter the size or complexity.

Our highly dedicated, top-tier Claims professionals are there to get you back where you belong, and our loss control professionals will work with you to prevent or to mitigate loss potential in your business. To learn more about our comprehensive protection, please contact your Farmers agent.

Apartments Coverages

Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Extended Replacement Costs or Actual Cash Values
  • Separate limit for Specified Property (Pools, Fences, etc.)
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Loss of rental income and extra expense on an actual loss sustained basis for 12 months or other extended period.
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings
  • Fire department service charge and extinguisher recharge cost
  • Outdoor signs
  • Debris removal or clean up cost
  • Pollutant clean up cost
  • Back up of sewers or drains or appliances
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage

Crime

  • Employee Dishonesty
  • Money & Securities - from both inside and outside the premises
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency

 

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Medical payments and Tenant's Legal Liability
  • Per location aggregate limits

 

Artisan Contractor

Whether you own a landscaping, janitorial, plumbing, or electrical company, Farmers has insurance solutions that can be tailored to provide full protection for your operation.

Farmers can provide you with one-stop, comprehensive insurance protection for all your coverage needs which may help you to have peace of mind.

Our highly dedicated, top-tier Claims professionals are here to get you back where you belong. Let our Loss Control professionals work with you to prevent or to mitigate potential losses. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Artisan Contractor Coverages

Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Extended Replacement Costs or Actual Cash Values
  • Separate limit for Specified Property (such as Pools, Fences, etc.)
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Condominium Unit Owners Coverage
  • Loss of Association Fees and Extra Expense
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings
  • Fire department service charge and Extinguisher recharge costOutdoor signs
  • Debris removal or clean up cost
  • Pollutant clean up cost
  • Back up of sewers or drains or appliances
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or Earthquake Sprinkler Leakage

Crime

  • Employee Dishonesty
  • Money & Securities - from both inside and outside the premises
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Medical payments and Tenant's Legal Liability
  • Per location aggregate limits

 

Auto Service & Repair

As the owner of an auto shop, you know that a customer's vehicle could be damaged while in your care. You may also want to obtain insurance coverage for your employees in the event of an accident while they are on the job. One of the most important things you can do is select the coverage that you feel best suits your business insurance needs.

Farmers can provide you with one-stop, comprehensive insurance protection for all your coverage needs.

Our highly dedicated, top-tier Claims professionals are here to help you to get back where you belong. Let our Loss Control professionals work with you to prevent or to mitigate potential losses. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Auto Service & Repair Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Automatic Increase of the contents for seasonal fluctuation
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption or from loss to dependent properties (such as property of your vendors)
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal & pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Employee ToolsEarthquake or earthquake sprinkler leakage

Crime

  • Employee Dishonesty
  • Money & Securities - from both inside and outside the premises
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Broad Form Products liability
  • Garagekeepers liability

 

Commercial Real Estate

Farmers Commercial Real Estate insurance 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


Our highly dedicated, top-tier Claims professionals are here to help you to get back where you belong. Let our Loss Control professionals work with you to help you prevent or mitigate potential losses in your business. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Commercial Real Estate Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Extended Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Personal Property Off Premise Coverage
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption or from loss to dependent properties
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Outdoor signs and outdoor properties
  • Debris removal & pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage
  • Lock Replacement
  • Tenant Return (costs incurred to bring back displaced tenants)

Crime

  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - from both inside and outside the premises
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability

Condo Associations

For decades, Farmers has been a preferred provider of coverages for condominium and homeowner associations. We have worked extensively within this industry and have designed our coverage packages to provide you with the most comprehensive and innovative insurance solutions. Whether your association is just a few units or large and complex with exercise facilities, swimming pools and spas, saunas, playgrounds, etc., Farmers has a coverage plan for you.

Condominium and homeowner associations may face severe financial consequence from property loss by fire, wind, or other causes. The association could also face liability from claims associated with the management of swimming pools and spas, saunas, playground equipment, sponsored events, parking areas, advertising, and more.

While our highly dedicated, top-tier Claims professionals are here to help you to get back where you belong, our Loss Control professionals will work with you to show you how to prevent potential losses. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Condominium Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Extended Replacement Costs or Actual Cash Values
  • Peparate limit for Specified Property (such as Pools, Fences, etc.)
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Condominium Unit Owners Coverage
  • Loss of Association Fees and Extra Expense
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings
  • Fire department service charge and extinguisher recharge cost
  • Outdoor signs
  • Debris removal or clean up cost
  • Pollutant clean up cost
  • Back up of sewers or drains or appliances
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage

Crime

  • Employee Dishonesty
  • Money & Securities - both inside and outside of the premises
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Medical payments and Tenant's Legal Liability
  • Per location aggregate limits

 

Manufacturing

Whether you're making computers, office equipment, or food, Farmers has insurance solutions that can be tailored to provide full protection for your light manufacturing operations. We're dedicated to providing you with one stop comprehensive insurance coverage that you can purchase to meet your insurance coverage needs, which may help you to have peace of mind.

Our highly dedicated, top-tier Claims professionals are here to help you to get back where you belong. Let our Loss Control professionals work with you to prevent or to mitigate potential losses. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Manufacturing Coverages
Here are some of the coverage options that are available to you help you with your insurance needs:

Property and Inland Marine

  • Buildings at Extended Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Automatic Increase of the contents for seasonal fluctuation
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption or from loss to dependent properties (such as property of your vendors)
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contentsDebris removal & Pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or Earthquake Sprinkler Leakage
  • Brands and Labels Cost
  • Product Recall Expense Coverage
  • Spoilage / Temperature Change Coverage
  • Transportation (Transit) Coverage

Crime

  • Employee Dishonesty and Forgery & Alteration
  • Money & Securities - inside and outside the premise
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Newly Acquired Organizations & Broad Form Liability

 

Office

As a business operating in an office setting, you are keenly aware of the many hazards that could affect your investment. One of the most important things you can do is select the coverage that you feel best suits your business insurance needs. We have coverages available for you to purchase that may help your peace of mind.

Our highly dedicated, top-tier Claims professionals are here to help you get back where you belong. Let our Loss Control Professionals work with you to help you prevent potential losses in your business. See how our Loss Control can help. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Office Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Automatic Increase of the contents for seasonal fluctuation
  • Personal Property off-premises coverage
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Outdoor signs
  • Debris removal & pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage

Crime

  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - both inside and outside the premise
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Medical Payments and Tenant's legal liability

 

Restaurant

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

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


Our highly dedicated, top-tier Claims professionals are here to help you get back where you belong. Let our Loss Control professionals work with you to help you to prevent or to mitigate potential losses in your business. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Restaurant Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs.

Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Automatic Increase of the contents for seasonal fluctuation
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal & Pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakageTransportation (Transit) Coverage
  • Spoilage Coverage
  • Bailee Coverage

Crime

  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - both inside and outside of the premises
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Liquor legal liability

 

Retail/Service

As the owner of a retail or service business, one of the most important things you can do to protect your investment is to choose an insurance program that is specifically designed for your industry. Your insurance needs may change over time as your business grows, but it's important to start out with coverages designed for your industry. You may also need to cover your employees in the event of an accident on the job.

Farmers can provide you with one-stop, comprehensive insurance coverage that is available for you to purchase for you to meet your insurance needs. Our highly dedicated, top-tier Claims professionals are there to help you get back where you belong. Let our Loss Control professionals work with you to help you prevent potential losses in your business. To learn about our comprehensive protection or to benefit from our world class Claims and Loss Control professionals, please contact your Farmers agent.

Retail/Service Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Automatic Increase of the contents for seasonal fluctuation
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss of income & extra expense from power interruption
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal & pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage
  • Transportation (Transit) Coverage
  • Spoilage Coverage
  • Bailee Coverage

Crime

  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - both inside and outside of the premises
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Liquor legal liability

 

Wholesale Distribution

Because we know that as a wholesaler or distributor you have unique insurance needs, we offer carefully packaged insurance coverages that deliver the goods no matter what kind of goods you deliver. We write 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


Farmers can provide you with one-stop, comprehensive insurance coverage that is available for you to purchase for you to meet your insurance needs. To learn more about our comprehensive coverage solutions please contact your local Farmers agent.

Wholesale Distribution Coverages
Here are some of the coverage options that are available to you to help you with your insurance needs:

Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values
  • Automatic Increase in Building Amount (inflation guard)
  • Contents at Replacement Costs or Actual Cash Values
  • Personal Property off-premises coverage
  • Automatic Increase of the contents for seasonal fluctuation
  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal & pollutant clean up cost
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage
  • Brands and Labels Cost
  • Product Recall Expense Coverage
  • Spoilage / Temperature Change Coverage
  • Transportation (Transit) Coverage

Crime

  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - both inside and outside of the premises
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability

 

Source: Farmers Insurance Group