Example: We are a landscape company, no tree trimming
*Tax ID# allows us to pull up prior insurance and any premium modifications

Business Insurance –

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

  • Research business 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.

Browse coverage types

Business owners have told us they like the customizable policies Farmers offers – and these are the major components in your robust menu of business insurance options. Property Coveragefor risks related to business’s building, property, inventory or income. Liability Coverage for risks ranging from customer injuries to wrongful termination. Crime Coverage against money and securities theft committed by employees or third parties. Auto Coverage for vehicles you own, lease or rent for business use.Workers’ Compensation Assistance for employees if an injury or illness occurs on the job. Umbrella Additional liability coverage that supplements an underlying policy. Life Coverage that can help attract and retain employees, and prepare for business succession.Loss Control Services that help you increase on-the-job safety and efficiency.

Additional business insurance options to consider

You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.
Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

Education and Non-Profit – For organizations including schools and civic groups.

Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

Manufacturing – For companies that manufacture products of virtually any type.

Office – For the offices of independent professionals such as doctors, lawyers and consultants.

Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

Wholesale – For businesses that provide wholesale goods and services to retail industries.

Workers’ Compensation Insurance –

You choose employees for the value they add to your business — 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.

Here are some of the typical workers’ compensation challenges you might face, and how Farmers can help you address them:


You operate in multiple states, each of which administers workers’ compensation differently.

Farmers response:

Farmers’ highly experienced adjusting team can deliver injury management strategies that comply with the complex maze of state administrative laws.


Your office doesn’t have many obvious risks — but you’re not sure if your employees have had enough safety training.

Farmers response:

From OSHA compliance to safety education, Farmers can help you improve safety practices and reduce risk. A stronger culture of safety helps you manage work conditions and your employees more effectively, which can help improve profitability.


You’re concerned about the negative impact of fraud on workers’ compensation costs.

Farmers response:

Farmers adjusters work with industry healthcare experts to review, identify and re-price questionably dishonest medical bills.


You want to know if employees recovering from injuries can perform their jobs with temporary modifications.

Farmers response:

By speaking with an employee’s treating physician and work supervisor, adjusters can help identify physical limitations and the availability of appropriate modified duty.

A dedicated in-house claims team improves efficiency

In most cases, Farmers employees — not outsourced adjusters — manage employee injuries from start to finish.

We move quickly to investigate each injury and determine the compensability of all employee-made claims, especially if an incident is questionable. As part of the investigation, we will contact the employee, the supervisor, the physician and your Farmers agent.

Farmers RealTime BillingSM streamlines your premium payment process

Farmers RealTime BillingSM links policy premiums directly with your company’s payroll. This pay-as-you-go approach is as simple as setting up an account linked to your payroll provider or QuickBooks-like software.

When your payroll fluctuates, your premiums adjust automatically to reflect changes — helping to minimize premium audit adjustments at the end of the term. Farmers provides this valuable service free of charge.

Workers’ compensation coverage is just one component in a full menu of business insurance options available from Farmers. Your agent can also discuss coverage for other possible risks like:

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a workers’ comp quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who work hard to help return your business — and your injured employees’ lives — to normal as quickly as possible.

This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of Companies®, or their employees or agents provide tax or legal advice.  Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction.  Not all products, coverages, & discounts are available in every state.  Restrictions, exclusions, limits, and conditions apply.