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
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
- Electrician
- Carpet cleaners
- Heating and air conditioning
- Painters
- Floor Covering Installation
Automotive Trades 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
Commercial Real Estate coverage
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
Habitational coverage
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)
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
Restaurant coverage
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.
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)
Wholesale/Distribution
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
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