Workers' Compensation

No two businesses are alike. At Farmers, our team works with yours to also provide quality products and services for your business.

• Small Business Insurance :Workers' Compensation Insurance
• Partnership Life Insurance*
• Sole Proprietorship Life Insurance*
• Stockholder Life Insurance*
• Surety Bond Program
• Commercial Claims Service

*Life Insurance issued by Farmers New World Life Insurance Company:
3003 77th Ave., S.E., Mercer Island, WA 98040-2890. Please contact your Farmers agent for more information.

Form# FNWL020017

The difference between a Farmers Workers Compensation policy and one offered by another insurance company is service.

As part of our service, We offer your business our "building block" system to help you build a strong foundation for operating a safe, secure work environment. The building blocks include accident prevention and loss control, team service lead by me, claims management and our medical and disability management program referred to as Farmers Care.

What does this mean to you - the employer?

• Reduced injuries and losses
• Reduced medical and disability costs
• Reduced policy adjustments
• Reduced premium costs

We offer Workers Compensation focused on these ten industry groups:

• Agriculture
• Light manufacturing
• Artisan contractors
• Printing
• Automotive
• Retailers
• Food service
• Service providers
• Hotels/Motels
• Wholesalers/Distributors

Types of Business Life Insurance

As a business owner, you spend many hours working and developing your business. But have you thought about what would happen to your business should you or your partner become disabled or die? To preserve the future of your business, it is important that your create a business continuation plan. Such plans often include a "buy-sell" agreement. A buy-sell agreement, funded by life insurance and written while the owners are alive, ensures that your heirs can sell their share of the business to surviving owners - and that the surviving owners can buy their share. Each owner also agrees not to sell their interests without first offering it to the remaining owners at an agreed-upon price or formula. Consider the following options for your business:
Partnership Life Insurance:
Farmers Partnership Life Insurance is designed to help your business survive the loss of a partner. To preserve the business, many partnerships have a buy-sell agreement, which fixes both the price and terms of the sale in the event a surviving partner buys out a deceased partner's interest. Life insurance can provide the necessary funds no matter when the partner's death occurs.

Sole Proprietorship Life Insurance:

You may want to transfer your business to a successor, in which case life insurance purchased by your heirs can provide funds to pay estate taxes and help sustain the business during the initial period of new management. Or, if your employees are interested in carrying on your business, a buy-sell agreement can be funded with life insurance to assure that your family will receive the optimum value for the business.

Stockholder Life Insurance:

We recommend that you use life insurance to create a pre-death buy-sell agreement certifying that if a stockholder should die, the remaining stockholders can purchase his/her shares at a fixed price. This will guarantee that heirs will receive cash for their inherited business interest and that surviving stockholders will maintain control of the business.

Farmers is recognized as a leader in the surety industry with expertise in a variety of bonds. Consideration can be given to underwrite almost any type of bond required. Many Farmers agents have authority to execute bonds right on the spot.
A bond covers the fulfillment of an obligation. The obligations can range from performance of a contract to following laws related to an operating license. Other obligations include paying taxes or lease fees, supplying goods, paying a court judgment, performing duties as a public official, etc.

I am ready to provide the backing needed to meet your business or personal bond needs.

When a business loss occurs, our experienced claims representatives will help you get back where you belong with caring, professional service and same-day response. Our commercial claims centers handle:

• Commercial Property
• Commercial Liability
• Workers' Compensation

Commercial Auto claims are settled at your local branch claims office.

File a claim online One-day response to your claim The REACT Program

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