Our coverage is specially tailored to the unique needs of various industry segments offering solutions that can help you meet the challenges that come your way-no matter what kind of business you own. Types of business insurance offer from Farmers:

Artisan Contractor
Automotive
Commercial Real Estate
Habitational
Manufacturing
Restaurant
Retail/Service
Wholesale/Distribution

Just like building a business, building an effective insurance program is done in steps. A good first step is working with a Farmers agent to put together the right policy for the unique challenges facing your business.

What are the other steps? Reviewing the entire policy looking for gaps. Understanding internal coverage's (a lot of the inside stuff is very important) Understanding liability coverage's; looking at a commercial umbrella. As a business owner, you need to choose the coverage that matches your needs. Here is a list of some of the important coverages you need to consider:

Buildings - including improvements you have made.
Business continuation - death of an owner, partner or key stockholder.
Contents - personal property, stock and equipment.
Crime - loss of money and securities through theft, burglary and robbery; employee dishonesty; forgery and alterations.
Equipment Breakdown - air conditioning, refrigeration, electrical and mechanical equipment.
Computers - hardware, software, media and reproduction costs.
Business Liability - protection for premises, products, contractual, personal and advertising injury, as well as many other liability exposures.
Personal Injury - libel, slander, defamation of character, wrongful eviction and invasion of privacy.
Accounts Receivable - including a debt owed to an enterprise, arising out of the normal course of business dealings.
Loss of earnings or rents
Valuable papers
Glass
Signs
Medical payments
Business auto - coverage for the vehicles you own or rent and use in your business.
Umbrella liability - Our commercial umbrella is very broad and one of the best in the industry.

Business Continuation Coverage:

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

• 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 us for more information.

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 dies? To preserve the future of your business, it is important that you 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 afford to 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 a deceased partner's interest. Life insurance can provide the necessary funds no matter when the partner's death occurs.

Key Man Life Insurance:

You and your partners are important and need to be insured but what if you have a highly skilled employee? Some businesses have one employee that is pivotal to the daily routine and that's where Key Man insurance comes in. This insurance provides money to find and train a replacement.

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.

Surety Bond Program:

Farmers Insurance is a recognized 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 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.

Farmers Insurance is ready to provide the backing needed to meet your business or personal bond needs.

When You Have A Claim:

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

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

Business life insurance premiums have the benefit of being tax deductible.

Artisan Contractor Coverage

Farmers artisan contractor coverage is a broad, comprehensive program for special trade contractors. It offers expanded coverage to meet the specialized needs of those involved in two major segments of the construction industry: artisan contractors and service providers.

Artisan contractors
Appliance Installation
Plumbers
Electricians
Heating and air conditioning
Painters
Floor Covering Installation

Service providers
Landscape gardeners
Janitorial services
Carpet cleaners

Automotive Trades Coverage

Whether you own a new or used auto dealership, a repair garage or a chain of transmission shops, Farmers has an affordable plan customized to meet the specialized needs of your auto sales and/or service business.

Automotive Trades coverage is available for:

Body shops Transmission shops Repair garages Muffler shops

Auto dealerships Auto glass shops Quick-lube oil change outlets Gasoline service stations

Commercial Real Estate Coverage

Farmers Commercial Real Estate coverage provides a comprehensive program to property owners who lease or rent building space used for offices, service businesses, retail stores, light industrial or light manufacturing. Parking areas may be included in the coverage if used by the building occupant and customers.

We offer coverage for:

Office buildings Retail shopping centers Buildings used for manufacturing, industrial, assembly Processing or service buildings Private commercial warehouses Mixed occupancies: office, retail, light manufacturing, industrial, assembly, processing or service buildings

Additional coverage's for shopping centers and office buildings:

Primary 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

Habitational Coverage

Farmers is one of the nation's largest insurers of Habitational (apartment and condominium) businesses. We offer a variety of coverage designed to meet your need for property and casualty insurance with products that are specifically designed for your business.

Apartment and condominium owners have special needs when it comes to finding comprehensive insurance coverage designed for multi-family housing units. Farmers Habitational coverage safeguards your assets plus offers options such as liability protection for condominium association members and loss of rental income for apartment owners.

Coverage options include:

Master Key Expanded Directors and Officers Liability (condominium) Business Income (apartment)

Apartment Owners
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.
General Liability
Offers protection for premises, contractual, 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.
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.

Condominium Associations
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 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.
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.

Manufacturing Coverage

Farmers Manufacturing coverage is a comprehensive program to meet the special needs of business owners engaged in the mechanical or chemical transformation of materials into new products. It is available for the following five types of manufacturers.

Food manufacturers and processors
Dairy products
Fruit and vegetable products
Candy, confectionery products
Plastics and rubber products
Plumbing fixtures
Bottles and containers
Office equipment manufacturers
Disc drives
Optical storage devices
Calculating machines
General office equipment
Metal working and metal products fabricators
Fasteners, bolts, nuts, screws, washers
Flatware
Pipes, metal tubes, fixtures
Audio, video and communications equipment fabricators
Household audio visual equipment
Telephone equipment
Electronic components and accessories

Restaurant Coverage

Today's restaurant environment is more complex than ever and you want to know you're covered for the unexpected occurrence. Farmers All-in-One Restaurant Package includes Business Liability, Property and Crime coverage's designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in providing insurance for the following types of restaurants:

Buffets Delis Cafes Diners Cafeterias Drive-ins Carry-out restaurants

Fast food Coffee Shops Food bars Fine dining restaurants Family-style Luncheonettes Sandwich shops

Retail/Service Coverage

The fastest-growing business segment in the United States is retailers and service companies. Every day millions of these businesses provide a place for consumers to purchase retail goods or find services. And each one of these businesses has special needs when it comes to finding the right insurance program. That's why Farmers Retail/Service offers a package of coverage's designed to meet the special insurance needs of the businesses listed below.

Printer and copier stores
Hardware and home improvement stores
Food stores
Retail stores
Offices
Dry cleaners
Repair shops (other than auto)

Wholesaler/Distributor Coverage

As a wholesaler or distributor, you have unique insurance needs. Farmers specializes in providing your business with carefully packaged coverage that delivers the goods no matter what kind of goods you deliver. We specialize in the following categories of business:

Beverage distributors
Motor vehicle supplies, wholesalers - new parts
Office equipment dealers
Stationery and supplies distributors
Hardware wholesalers
Food and food products distributors
Building service equipment
Plumbing
Heating and air conditioning
Electrical equipment and supplies