Coverage Details

Property
I will work with you to customize property coverage's to meet your individual needs, including buildings, business property, business continuation and your tools and equipment.

General Liability
Our Liability coverage offers protection for premises, products, contractual, personal and advertising injury, as well as many other liability exposures.

Business Auto
We provide broad coverage for the vehicles you own or rent and use in your business.

Crime
I offer coverage ranging from theft of personal property to employee dishonesty, depositor's forgery and broad form money and securities coverage.
Back to Types Business Coverage

Property
Building(s)*
Business personal property including stock
Leasehold interest
Extra expense
Business income
Employees' tools
Electronic data processing equipment
Valuable papers and records
Accounts receivable
Glass
Backup of sewers and drains
Outdoor signs
Outdoor property
Lock replacement
Fire department service charge
Fire extinguisher recharge expense
Arson conviction reward
Debris removal
Property of others
Replacement cost
Inflation guard
Equipment breakdown
Cargo coverage
Earthquake (in states where available)

* available if you own the building or your lease agreement requires you to insure it.

Garage and General Liability
Owned auto coverage
Physical damage to owned vehicles
Premises and operations
Products/completed operations
Fire legal liability
Personal and advertising
Contractual liability
Protective liability for acts of independent contractors
Host liquor liability
Incidental medical malpractice
Non-owned watercraft
Spouse or partners insured
Limited worldwide liability
Uninsured/underinsured motorists
Garage medical payments
Personal injury protection (where available)
Hired autos
Individual named insured
Broad form products
Elevator liability

Auto coverage's
Bodily injury and property damage
Uninsured/underinsured motorists
Non-ownership liability
Hired auto coverage
Auto medical payments
Personal injury protection (where available)
Physical damage - comprehensive
Physical damage - specific causes of loss
Physical damage - collision
Physical damage - towing and labor
Drive other car coverage
Hired autos specified as covered auto
Cargo coverage
Additional insured - lessor
Rental reimbursement coverage
Tapes, records and discs (where available)
Audio, visual and data electronic equipment

Crime coverage's
Money and securities
Employee dishonesty
Robbery and safe burglary
Robbery and safe burglary - money and securities
Premises burglary
Premises theft and robbery outside
Extortion
Forgery or alteration
Theft, disappearance and destruction


Property coverage's
Building(s)*
Business personal property including stock
Business income and extra expense
Extra expense
Leasehold interest
Employees' tools
Electronic data processing equipment
Valuable papers and records
Accounts receivable
Glass
Backup of sewers and drains
Outdoor signs
Outdoor property
Lock replacement
Fire department service charge
Fire extinguisher recharge expense
Arson conviction reward
Debris removal
Property of others
Replacement cost
Inflation guard
Equipment breakdown
Cargo coverage
Earthquake (in states where available)

* Available if you own the building or your lease agreement requires you to insure it.

Automotive Sales and Dealership coverage package
The following coverage package is available to clients who sell automobiles:
Title errors and omissions coverage
Odometer liability
Truth in lending errors and omissions
Insurance agents errors and omissions
Product deficiency liability
Individual names insured for dealers
False pretense coverage
Dealers drive-away collision

Garage and General Liability
Owned auto coverage
Physical damage to owned vehicles
Premises and completed operations
Products/completed operations
Fire legal liability
Personal and advertising
Contractual liability
Protective liability for acts of independent contractors
Host liquor liability
Incidental medical malpractice
Non-owned watercraft
Spouse or partners insured
Automatic liability coverage for newly acquired dealerships
Limited worldwide liability
Independent contractors
Uninsured/underinsured motorists
Garage medical payments
Personal injury protection (where available)
Hired autos
Individual names insured
Broad form products
Physical damage to owned vehicles
Elevator liability

Auto coverage's
Bodily injury and property damage
Uninsured/underinsured motorists
Non-ownership liability
Hired auto coverage
Auto medical payments
Personal injury protection (where available)
Physical damage - comprehensive
Physical damage - specific causes of loss
Physical damage - collision
Physical damage - towing and labor
Drive other car coverage
Hired autos specified as covered auto
Motor truck cargo
Additional insured - lessor
Mobile equipment - scheduled equipment
Rental reimbursement coverage
Tapes, records and discs (where available)
Audio, visual and data electronic equipment

Crime coverage's
Money and securities
Employee dishonesty
Robbery and safe burglary
Robbery and safe burglary - money and securities
Premises burglary
Premises theft and robbery outside
Extortion
Forgery or alteration
Theft, disappearance and destruction



Commercial Real Estate coverage details

Property
Customized to meet your individual needs for coverage of building, business property, business continuation, crime and equipment breakdown.

General Liability
Includes coverage for personal and advertising injury and fire legal liability exposures. We also offer coverage for supplementary payments and medical payments to others.

Business Auto
We provide broad coverage for the vehicles you own or rent and use in your business.

Crime
Farmers offers coverage from theft both inside and outside your establishment, employee dishonesty and depositor's forgery and offers broad form money and securities coverage.
Additional coverage's for shopping centers and office buildings

Primary Package Premier Package
Loss of rents
Back-up of sewers or drains
Arson conviction reward
Lock replacement
Building glass
Outdoor signs
Computer coverage
Premier Package
Equipment breakdown
Extended replacement cost
Extended premises boundary
Tenant's moveback



Apartment Owners Condominium Associations

Property
Customized Property coverage tailored to meet your individual needs, including: buildings, business property, loss of rents, replacement cost, inflation guard and equipment breakdown coverage.

Property
Customized Property coverage to meet your association's individual needs, including: buildings, business property, association fees, replacement cost, inflation guard and equipment breakdown coverage.

General Liability
Offers protection for premises, contractual, personal and advertising injury as well as many other liability exposures.

General Liability
Offers insurance for premises, personal and advertising injury as well as many other liability exposures.

Crime
Protection ranges from theft of personal property (inside and outside your complex) to employee dishonesty, depositor's forgery and broad form money and securities coverage.

Crime
Protection ranges from theft of personal property (inside and outside your complex) to employee dishonesty, depositor's forgery and broad form money and securities coverage.

Optional coverage's and limits
Apartment owners have unique requirements. We offer a choice of additional coverage's and higher limits in some areas such as outdoor signs and accounts receivable to meet your individual needs.

Optional Directors/Officers Liability
Provides protection to current as well as past board members from claims of negligence in fulfillment of duties and responsibilities. Volunteers, committee members and employees can also qualify for coverage.

Optional Unit-Owners coverage
Coverage for individual unit-owners' improvements and betterments is available. Choose from three unique unit-owners coverage options.



Primary Coverage Package for manufacturers includes:
Accounts Receivable
Back-up of sewers or drains (optional)
Building
Claims expense
Computer equipment
Crime conviction reward
Debris removal
Employee dishonesty
Fire department service charge
Fire extinguisher recharge
Forgery and alteration
Increased cost of construction
Lock replacement coverage
Money and securities - inside/outside
Money orders and counterfeit paper currency
Newly acquired buildings
Newly acquired business, personal property
Outdoor signs
Personal property off-premises
Pollutant clean-up
Preservation of property
Seasonal automatic increase - BPP
Spoilage/temperature change, optional
Tenants glass, optional
Trees, shrubs and plants
Valuable papers and records

Premier Package for manufacturers
Provides the same coverage with higher limits plus these extra coverage's:
Brands and labels
Business income
Customer property at replacement costs
Equipment breakdown
Theft, patterns and dies
Theft, bullion and precious metals
Utility services - time element

Liability coverage's*
Products/completed operations
Personal injury liability
Advertising liability
Broad form property damage
Contractual liability
Employees as additional insured
Fire legal liability available
Medical payments
* Per occurrence limit-- $500,000 to $1,000,000



Property coverage's

Building(s) * including:
All garages, storage buildings and completed additions to the business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building including:
-fire extinguishing equipment
-floor coverings
-drapes and appliances
Tenant improvements and betterments
Outdoor furniture

* Available if you own the building or your lease agreement
requires you to insure it.

Business Personal Property
Personal property
Personal property of others
Accounts receivable
Valuable papers and records
Seasonal automatic increase
Outdoor trees, shrubs and plants
Newly acquired business personal property
Consequential loss
Replacement cost
Debris removal
Food spoilage
Emergency removal
Damage to building(s) from theft, burglary or robbery
Off-premise personal property

Optional Property coverage's
Loss of earnings/business income
Outdoor signs
Building glass
Deductible buy-back on glass/sign coverage

Business Liability coverage's
Products and completed operations
Personal and advertising injury
Employer's non-ownership
Broad form property damage
Contractual liability
Employees as names insured
Supplementary payments
Fire legal liability
Medical payments to others
Parking area liability

Optional Liability coverage's
Liquor liability
Additional names insured
Employment practices liability
Employee benefits liability
Employers liability (stopgap)

Comprehensive Crime coverage's
Broad form money and securities - inside
Broad form money and securities - outside
Depositor's forgery
Employee medical payments coverage (due to crime)

Optional Crime coverage
Employee dishonesty

Optional Auto coverage's
Hired, non-hired auto coverage
Owned auto
Garage-keepers, valet (except Va.)

Additional coverage's
Food-born illness - business income
Fine arts
Building ordinance
Contamination shut down
Earthquake coverage (in states where available)
Earthquake sprinkler leakage
Umbrella coverage
Equipment breakdown
Workers' Compensation (required if there are any employees on staff)
Back-up of sewers and drains

The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage's and exclusions.


Property coverage's

Building(s) * including:
All garages, storage buildings and completed additions to the
business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building including:
-fire extinguishing equipment
-floor coverings
-drapes and appliances
-outdoor furniture

*Available if you own the building or your lease agreement
requires you to insure it.

Business Personal Property
Personal property
Personal property of others
Improvements and betterments
Leased property
Loss of income
Valuable papers and records
Accounts receivable
Debris removal
Emergency removal
Newly acquired business personal property
Property temporarily away from premises
Seasonal automatic increase

Optional Property coverage's
Tenants exterior
Building glass
Employee dishonesty

Business Liability coverage's
Advertising liability
Personal injury
Products and completed operations
Employers non-ownership
Personal injury liability
Broad form property damage
Contractual liability
Employees as individual names insured
Fire legal liability
Medical payments
Parking area liability

Optional Crime coverage
(for additional premium)
Employee dishonesty
Broad form money and securities - inside
Broad form money and securities - outside
Medical payments
Forgery or alteration

Endorsements
Primary package: Farmers has included the most frequently sought coverage's into a package known as the "Primary coverage package."

Premier package: An optional package which adds new coverage and automatically increases many of the primary package coverage's.

Talk to your Farmers agent about tailoring these broad coverage's to fit the individual needs of your small business.

The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage's and exclusions.


Property
Our program provides customized Property coverage's tailored to meet your needs, including buildings, business property, product recall expenses, business continuation and transportation.

General Liability
Provides coverage for premises, products, contractual, personal and advertising injury and many other liability exposures.

Business Auto
Covers the vehicles you own or rent and use in your business.

Crime
Provides protection from theft both inside and outside your establishment, employee dishonesty and depositor's forgery and offers broad form money and securities coverage.

Related coverage's
Workers' Compensation
Employers' Liability
Umbrella
Employment Practices Liability
Pollution Liability

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