How Financially Stable Is Farmers?

The A.M. Best Company, who is responsible for evaluating the financial strength of companies, ranks Farmers with an A (Excellent) rating. This rating means that Farmers has the financial resources and favorable operating results to provide for our customers in the event of catastrophes, or other adverse events in the marketplace.

Is there any way to lower my overall insurance expense?

Your agent can provide valuable insight on non-insurance risk management practices to reduce claims and insurance expenses.

How do I find a Farmers agent?

Click on Find an Agent on the left navigation bar and you will be linked to a Business Insurance expert who has completed specialized training and demonstrated proven results in order to earn the distinction of Commercial Qualified agent.

What specialized coverage does Farmers offer

Find out more about any of these specialized coverage options available for your business:

• Employee Benefits Liability Insurance
• Commercial Automobile Insurance
• Garage keepers Insurance
• Earthquake Insurance (where available)
• Umbrella Insurance
• Business Life Insurance
• Pollution Liability Insurance
• Surety Bonds
• Equipment Breakdown Insurance
• Building Ordinance Insurance
• Condominium Directors & Officers Liability Insurance
• Condominium Unit-Owners Insurance
• Personal Insurance

Specific questions related to the types of business insurance offered at Farmers?

Artisan Contractor Insurance - Coverage for carpenters, plumbers, electricians, painters, mason service providers, landscape gardeners, janitors and carpet cleaners.

• What is Equipment Breakdown coverage?
• What does Installation coverage pay for?
• What does Tools and Equipment coverage pay for?
• What additional coverage is available for work performed by others?
• Does my policy cover me for construction defects?

Auto Trades Insurance - Coverage for body shops, repair garages, auto dealerships, quick lube oil change outlets, transmission shops, muffler shops, auto glass shops, and gasoline service stations.

• Am I covered for loss of income if my business is shut down due to a loss?
• Is there a way to cover my employee's tools used in the business? \

Commercial Real Estate Insurance - Coverage for office buildings, retail shopping centers, buildings used for manufacturing and industrial assembly, and private commercial warehouses.

• I own an office building and rent suites to tenants. Are the elevators in my building

covered?

• Is there a policy that would pay for new replacement locks for the entire building should my employee lose the master key?
• How does your policy add value for my tenants?
• What should I consider when looking for a new business location?

Habitational Insurance - Coverage for apartment owners, condo association members, expanded directors and officers liability and business income.

• Does Farmers write apartment and condominium insurance?
• What is included in Condominium Directors and Officers Liability Insurance?
• What is Condominium Unit-Owners Insurance?

Manufacturing Insurance - Coverage for manufacturers of food, plastics and rubber products, office equipment, metal working and metal products fabricators, and audio, video, and communications equipment fabricators.

• What is Product Recall coverage?
• How can I make sure I have complete coverage for my sophisticated high-tech equipment?
• Why does a job shop that doesn't make a product need Products coverage?

Restaurant Insurance - Coverage for buffets, cafes, cafeterias, carry-out restaurants, coffee shops, fine dining restaurants, delis, drive-ins, and fast food.