COMMERCIAL INSURANCE

Farmers® Commercial Insurance We are here to help

Whether you’re shopping for Commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

  • Research Commercial insurance options by coverage type and industry type.
  • Understand the value Farmers agents and claims representatives add to your experience.
  • Get answers to 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 coverage you want for your business.

Property

Property

The place you do business says a lot about your success. Maybe your wholesale company acquired a second warehouse. Perhaps your ad agency just moved to a stylish new office space. Or you might have added extra stations at your beauty salon.

Whatever purpose your commercial property serves, you need to protect it from the unexpected. As a small business owner, too, a Farmers® agent understands your challenges — and can help you understand your coverage options so you can select the coverage you want.

Here are some of the property risks business owners face:

Risk:

While operating a forklift in your warehouse, an employee collides with a storage rack and it collapses.

Coverage:

Commercial property coverage can help when your business personal property is damaged by a covered event.


Risk:

When that storage rack collapses, it destroys inventory worth several thousand dollars.

Coverage:

Commercial personal property insurance can help you repair or replace covered business items, such as computers, tools and inventory.


Risk:

You lose Commercial income when you must temporarily close your company for repairs from a small electrical fire.

Coverage:

Commercial income insurance can help replace lost profit up to policy limits. This may provide you with operating and payroll expenses that keep your company running.

Commercial Crime Coverage

Commercial Crime Coverage

The more successful your company, the more it may attract the attention of dishonest people — whether employees, associates or outsiders.

Farmers® agents are small Commercial owners, too, and understand the challenges of protecting your company from people with negative intent. They can show you insurance coverage options to help address a variety of risks like these — low-tech and high-tech:

Risk:

While reviewing bank statements from the last few months, you discover someone wrote checks worth thousands of dollars to a vendor you don’t use.

Coverage:

Employee dishonesty coverage can help if employees steal from your company — whether on their own or with the help of outsiders.


Risk:

A fire destroys several important documents — and there aren’t any copies from which their data can be retrieved.

Coverage:

Valuable papers and records coverage can help with the expense of recreating important documents.


Risk:

Your deposit bag is stolen from a messenger on her way to the bank — and contains more cash than usual because it’s your company’s busiest time of the year.

Coverage:

Money and securities theft (external) coverage can help if money and securities are stolen while they’re in the care of anyone covered by your policy.


Risk:

You accept what appears to be a perfectly legitimate money order. A few days later, your bank tells you it was counterfeit and immediately debits your account.

Coverage:

Money order and counterfeit paper currency coverage can help if you accept counterfeit bills or money orders as payment.


Risk:

Although addressed to your Commercial, a batch of newly printed checks are delivered to someone else — who uses several of your checks to pay for expensive electronic equipment.

Coverage:

Forgery and alteration coverage can help when checks are fraudulently written, altered or signed.


Risk:

A hacker gains access to your computer system and steals your customers’ credit and debit card information.

Coverage:

Cyber liability and data breach response coverage can help you investigate a breach and manage negative effects on your company’s reputation. It also helps you notify consumers and provide them with credit monitoring service for a period.

Commercial General Liability

Commercial General Liability

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting Commercial can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination.

That’s why Farmers® offers small Commercial liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.

Because every Farmers agent is also a small Commercial owner, each one has an understanding of some challenges faced by small Commerciales like yours. They can offer insights and discuss insurance options as you choose customizable coverage options for your company.

Risk:

A customer trips on a fixture at your Commercial and is injured.

Coverage:

Premises and operations can help with hospital bills and damages — as well as coverage for your Commercial if the customer sues for negligence.


Risk:

A former client files and wins a lawsuit over work performed by your company.

Coverage:

Products and completed operations can help with the defense costs and — in some cases — the legal damages for which you may be responsible.


Risk:

You lose confidential Commercial and customer data when your computer system is hacked.

Coverage:

Cyber liability and data breach can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.


Risk:

A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company.

Coverage:

Employment Practices Liability can help cover your Commercial entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.

Commercial Auto Insurance

Commercial Auto Insurance

Your Commercial is thriving. You might be a contractor splurging on a top-of-the-line pickup. Perhaps your flower shop achieved its goal of an all-electric fleet of delivery vans. Maybe social media raves for your fusion tacos created enough demand for a second food truck.

However you use vehicles in your Commercial, one thing is clear: You need Commercial auto insurance. And Farmers® can help with coverage options that reduce risk and improve operations.

Because Farmers agents are also small Commercial owners, they understand the unique challenges of Commercial driving in today’s increasingly distracted world.

Workers Compensation

Workers Compensation

You choose employees for the value they add to your Commercial — whether a key member of your management team, a skilled technician or your executive assistant. If anyone suffers an on-the-job injury, you want to try to take care of them and minimize lost productivity.

In a best-case scenario, you’re able to manage an injury so employees can get back to work as quickly as possible. And Farmers® has highly specialized workers’ compensation services that can help.

A workers’ compensation policy can address medical care and lost income for your employees, death benefits for survivors, and your potential liability for covered claims.

Farmers works with you to reduce costs and improve recovery times — by making quick contact with an injured employee and using excellent medical providers for a specific injury or illness.

Commercial Umbrella

Commercial Umbrella

You’ve worked hard for the success of your Commercial — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits of your Commercial liability insurance.

That’s where Farmers® Commercial umbrella insurance can help. It’s an additional layer of liability insurance that begins at the limit of an underlying liability policy. Purchased in $1 million increments, it can provide up to $10 million of coverage for qualifying Commerciales with covered claims — and it allows you to help protect your Commercial from risks like large jury awards.

Life Insurance For Small Commercial

Life Insurance For Small Commercial

Life insurance can do more than help your Commercial recover from the death of a key employee. It can also play a critical role in your compensation plan — helping you recruit, retain and reward your employees.

As small Commercial owners themselves, Farmers® agents understand that you have needs. They can introduce you to a variety of life insurance options as you make a decision about the coverage you want.

Here are some typical risks — and options that can help you manage them:

Risk:

You find an ideal candidate for your open CFO position — but she accepts an offer with a more attractive compensation package from a competitor.

Coverage:

Executive bonus plans that include life insurance or annuities can help you create compelling job offers for top talent.


Risk:

The manager who oversees your company’s day-to-day operations is unable to work as a result of a covered event.

Coverage:

Key person insurance can help if a Commercial partner or top employee dies or becomes disabled — the policy’s benefit or cash2 value can be used for candidate searches, training expenses and lost income.


Risk:

You know your family would be burdened by Commercial debt if you passed away before completing ambitious expansion plans that rely on large loans.

Coverage:

Life insurance proceeds can help liquidate outstanding Commercial debt and help protect your family’s personal assets.


Risk:

When your Commercial partner dies unexpectedly, her husband wants to sell their portion of the Commercial.

Coverage:

A funded buy-sell agreement can help with a smooth settlement between the owners of a company and their heirs.

To see if Farmers life insurance is available in your area contact Jon Albert Insurance Agency at 661-542-7007.


Loss Control

Loss Control

A safer workplace can give you more control over expenses that may impact your company’s ability to compete in the marketplace. Loss control helps you understand potential areas of loss or hazard — and establish best practices to help avoid them in the future.

Help improve safety and profitability by:

  • Identifying hazards in the workplace
  • Recommending appropriate safety and loss prevention controls
  • Providing safety training materials for your employees
  • Establishing best practices for maintaining a safe work environment

All Farmers® Commercial insurance customers enjoy free access to MySafetyPoint opens in new window, an exclusive resource for streaming safety videos and other loss control material to help develop effective workplace safety programs.

Take the next step to a safer workplace

Farmers Loss Control Basics is a free guide to implementing a comprehensive loss control program for your Commercial.

To learn more about how Farmers Loss Control Services can help you, contact Jon Albert Insurance Agency at 661-542-7007.