Business Insurance

Whatever each new day brings, Farmers Business Property Insurance is still your best defense against unexpected occurrences such as fire, hail, windstorms, and other natural disasters. Key coverage examples include: Building Coverage, Business Personal Property Insurance, and Business Income.

You’re excited about being responsible for the expansion, innovation, competitiveness and profitability of your business. But keep in mind you’re also liable for the unintentional accidents, mistakes or injury in which you or your employees may be involved. Anyone who comes in contact with your business can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract. Farmers Business Liability Insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay up to the policy limits selected.

Your business is really taking off, so you’ve hired new employees. As time goes on, customer satisfaction remains high and sales are increasing, but something just isn’t adding up. A check of the books reveals that your new bookkeeper has been stealing from you and now you’re concerned how the lease will be paid. As disappointing as this scenario is, it is not at all rare. As a business owner, you need to concern yourself with losses that can happen from both inside and outside your establishment.

Workers’ Compensation
You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen. An employee slips and falls at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things. Upon the unexpected, it’s essential that your employees’ medical needs are quickly addressed so they can return to work as fast as possible. And that’s exactly what Farmers can help you do. Call me to discuss a tailored multi-coverage solution including Workers’ Compensation Insurance that meets the specific needs of your business.

Business Auto
When the rubber meets the road, it’s serious business. Vehicles put your employees in front of existing and prospective customers and get your products to where they need to go. But unlike the oversight and insight you have on your business operations, road conditions, weather and other drivers are out of your control. Any bodily injury – including injury sustained by other drivers, passengers and pedestrians – for which you are responsible, or damage caused to other vehicles or property, could put your business in financial jeopardy. Just like your car insurance, Business Auto Insurance is there to keep you, your employees and your business on the road to a bright future. Customizable to your individual business needs, Farmers offers many Business Auto Insurance options for the vehicles you own, lease or rent for business use.

Business Life Insurance*
People may be the most important asset your business has. Farmers Life Insurance for Business Owners offers many options to help you recruit, retain, reward and retire employees as well as prepare for business succession should the unexpected occur. Farmers has provided generations of businesses the security only life insurance protection can bring. My agency can help with Executive Bonus Plans, Group Life, and Key Person Insurance. Contact me to build a tailored solution that meets the specific needs of your business.