Why do I need business insurance?
Your business is the main income resource for you and your
family in your life. It provides the gas money in your car, and covers medical
expenses when a member of your family falls ill. It also can help you make your
dreams come true! With hard work and good planning, your business will pay the
mortgage and pay for your children's education.
But what if thieves break in? Or a fire breaks out? What if your employee accidentally gets injured on the job? A customer might even sue you. Without insurance, an unfortunate accident could cost your your business. With Farmers Business insurance, if the unfortunate happens, we'll help you get back where you belong - and keep working toward achieving your dreams.
How does business insurance work?
Every business is different. You need the insurance program that's right for your business and your industry, and your Farmers agent can help you build it. Your agent is a highly trained professional who will work with your to customize your coverage, making sure that you have the insurance you need and that don't have costly overlaps. Your Farmers agent specializes in Business insurance for you if you work in one of these select industries:
- Automotive Trades
- Restaurant
- Retail and Service
- Wholesale and Distribution
- Artisan and Service Contractors
- Hotel/Motel/Apartments
- Commercial Real Estate
Worker's Compensation
Worker's Comp covers medical and disability costs for workers injured on the job. With Farmers, you will also get help with accident prevention and loss. Our claims management program (referred to as Farmers Care) will help your keep costs down.
Umbrella Liability
Business umbrella covers your business in case you're sued for more than your basic insurance covers.
Commercial Vehicle
Commercial vehicle covers your business car or truck or your fleet of vehicles.
Business Life Insurance
If you, your partner or your key employee dies, Business Life insurance can provide the funds to make sure that the business can carry on.
Your Farmers agent can help you choose the type of insurance that best fits your needs.
How much does business insurance cost?
The cost depends on many things. Are you buying a lot of insurance or a little? Do you have many employees or are you a one-person operation? How safe is your workplace? Do you have a good safety and accident-prevention program? These and other factors will determine how much your insurance costs. Your Farmers agent offers flexible pricing plans that take these factors into consideration. In addition, your agent will work with you to control costs by preventing accidents and managing claims. When your needs change over time, your Farmers agent will be ready to help.