BUSINESS INSURANCE - Types of Businesses Covered

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.

• Artisan Contractor

  Artisan contractors	Service providers
  Carpenters	Landscape gardeners
  Plumbers	Janitorial services
  Electricians	Carpet cleaners
  Heating and air conditioning
  Painters
  Masons Service providers

• Automotive Trades

  Body shops Repair garages Auto dealerships Quick-lube oil change outlets

  Transmission shops Muffler shops Auto glass shops Gasoline service stations

• Commercial Real Estate

  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

• Habitational

  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. Coverages Include: Master Key Expanded Directors and Officers Liability (condominium) Business Income (apartment)

• Manufacturing

  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

  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 coverages designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestylewe have the package for you. We specialize in providing insurance for the following types of restaurants: Buffets Cafes Cafeterias Carry-out restaurants Coffee shops Fine dining restaurants Luncheonettes Delis Diners Drive-ins Fast food Food bars Family-style Sandwich shops

• Retail/Service

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

• Wholesale/Distribution

  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 like Plumbing, Heating and air conditioning, Electrical equipment and supplies