Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:
- Research business insurance options by coverage type and industry type.
- Understand the value Farmers agents and claims representatives add to your experience.
- Get answers to insurance questions that are often asked by small business owners like you.
Our goal here is simple: To equip you with information so you can choose the commercial insurance coverage you want for your business.
Business insurance coverage types
- Property: Coverage for risks related to business’s building, property, inventory or income.
- Liability: Coverage for risks ranging from customer injuries to wrongful termination.
- Crime: Coverage against money and securities theft committed by employees or third parties.
- Auto: Coverage for vehicles you own, lease or rent for business use.
- Workers’ Compensation: Assistance for employees if an injury or illness occurs on the job.
- Umbrella: Additional liability coverage that supplements an underlying policy.
- Life: Coverage that can help attract and retain employees, and prepare for business succession.
- Loss Control: Services that help you increase on-the-job safety and efficiency.
Additional business insurance options to consider
You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.
Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.
Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.
Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.
Contractor Insurance – For independent contractors such as plumbers, electricians, landscapers and painters.
Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.
Manufacturing – For companies that manufacture products of virtually any type.
Office – For the offices of independent professionals such as doctors, lawyers and consultants.
Restaurant Insurance – For owners of quick service, casual and fine dining restaurants.
Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.
Wholesale – For businesses that provide wholesale goods and services to retail industries.
Other types of coverage
Medical bills
Medical payments to others coverage provides limited coverage for medical costs if someone outside your household is injured on your property, no matter whose fault it is.
Example: If a neighbor’s child breaks his arm while playing in your yard, this coverage could help pay for the trip to the emergency room.
Guaranteed replacement cost
In a time of escalating construction costs, if you have a covered loss, this optional coverage guarantees payment for the full cost to repair your home, even if it exceeds your policy limits.
Example: A tornado rips through your home, requiring a full rebuild. Your dwelling limit is $250,000 but lumber and construction labor push rebuilding costs to $300,000. This coverage can pay the difference.
Personal Umbrella coverage
Personal umbrella insurance provides additional liability coverage, in $1 million increments up to $10 million, over the liability limits in other policies you already have and for unusual risks that aren’t covered by your other policies. It can help protect your assets from lawsuits.
Example: A guest trips over a toy your child left in a hallway. He won’t be able to work for some time due to the injury, and the liability limits of your home insurance may not be high enough to cover his medical bills and other compensation. Umbrella can help cover the difference.