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Select a product below for a brief description. Call us or request a quote online for rates and additional information.

 

Business Services


  • * Apartment

  • Apartment


    Farmers Business Group is the leader for Apartments and Multi-Family housing.

    Whether you have single-unit, or thousands of units with multiple locations, we have industry-leading insurance solutions for your property.


    We don’t put our multi-housing in insurance “pools” or “Master ” policies. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability insurance on a Master Insurance policy that shares coverage with hundreds of other properties and separate owners. These policies can extend to cover many states that are subject to their local disasters. These policies subject your rates to claims from other non-related properties. Also, the Umbrella Liability is watered-down when you insure on a master policy.


    Comprehensive Coverage
    We have complete packages, that include Directors and Officers coverage, Discrimination, Property Manager, Fidelity Coverage and Employment Practices Liability.


    Umbrella
    Coverage up to $100 Million – no shared umbrellas, we have individual excess liability coverage that is superior to group umbrellas.


    Replacement Cost Analysis
    We’ll provide a reconstruction cost analysis using a system developed by Marshall & Swift, a leading property valuation company in North America - this will enable us to recommend proper building coverages.


    Vacant Properties
    We have new programs for vacant properties – properties that are typically turned down by many major carriers.

    We are members of several Professional Real Estate Associations, including the Arizona Multihousing Association (AMA), the Arizona Association of Community Managers (AACM), Building Owners and Managers Association (BOMA), and the Community Associations Institute (CAI).

  • * Auto Services

  • Auto Services


    Farmers Auto Service and Repair Business Owner's Package can be designed for the challenges and opportunities that Auto Service and Repair business owners often face.


    The key business coverage that an Auto Service and Repair business owner should consider:


    Business Property Insurance covers your building location, as well as the contents inside including inventory, equipment and tools, and valuable papers and records. Business Liability Insurance can help you protect your business from losses due to a slip and fall accident on your premises, or if a technician makes an error while servicing a customer’s vehicle.


    Business Crime Insurance provides coverage for your losses if one of your employees steals monies, securities or other property from you..


    Business Auto Insurance offers coverage for your Auto Service and Repair business against losses from injuries to others caused by you and your employees whether your shop’s or your employee’s personal vehicles are involved. Non-Owned Auto helps provide coverage for your business when technicians test drive customer vehicles after a service appointment, while Garagekeepers Liability covers damages to customers’ vehicles that are being held and worked on at your Auto Service and Repair business.


    Workers’ Compensation Insurance provides coverage for employee illnesses or injuries suffered by your employees resulting from hazards or accidents that may occur in the workplace. With Workers’ Compensation Insurance, Farmers can help you identify potential workplace hazards and educate employees on how to reduce on-the-job injury..


    Umbrella Coverage provides coverage for your Auto Service and Repair business above and beyond basic business liability insurance limits for general liability, auto and employer’s liability, offering up to $10 million over and above your existing business liability policy.


  • * Bonds

  • Bonds


    Our alliance with the Western Surety Company (a CNA Surety subsidiary) provides a quality solution for surety and fidelity bonds, contract bonds, and errors and omissions coverage.


    Knowledgeable Underwriting, Claims and Professional Services


    Providing access to underwriters who are experts in the business sectors they service is critical to delivering smart and flexible bonding solutions. Exercising independent judgment and problem-solving skill, we take a disciplined and solution-oriented underwriting approach that delivers consistent value to your business. Our Bond team work in partnership with our underwriters and agents and brokers to develop bonding solutions that help your business succeed.

  • * Builder's Risk

  • Builder's Risk


    With over 30 years of experience in providing superior insurance solutions for construction professionals


    We’ve Got You Covered.TM*

    Our builders risk policies have been designed to meet the special insurance requirements of even the largest residential or commercial construction project.

    Here are just a few reasons you should select the best builders risk policy in the industry.


    Coverage that is hard to beat:

    _ An extremely broad policy, including theft of materials from the moment they’re delivered to the job site.

    _ Protection for materials in-transit and at temporary locations, including office and tool trailers

    _ Coverage for materials (including landscaping) that are installed or uninstalled

    _ Coverage for losses due to ordinances or laws

    _ Limited errors and omissions coverage

    You have automatic coverage for causes of loss that are commonly excluded in other policies:

    _ Mechanical or electrical breakdown on plumbing, air-conditioning lines or elevators

    _ Back-up of sewers or drains (no deductibles)

    _ Interest of subcontractors – there’s no need to list subcontractors or sub-subcontractors as additional insureds

    • Trademark of of Zurich Builders Risk

  • * Commerical Real Estate

  • Commerical Real Estate


    Farmers Business Group is the leader for insuring a variety of Commercial Buildings.

    Whether you have single property, or multiple locations, we have industry-leading insurance solutions for your property. Farmers Business Insurance has special packages for Office Buildings, Shopping Malls and Industrial type properties.

    We don’t put your property in insurance “pools” or “Master ” policies. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability insurance on a Master Insurance policy that shares coverage with hundreds of other properties and separate owners. These policies can extend to cover many states that are subject to their local disasters. These policies subject your rates to claims from other no-related properties. Also, the Umbrella Liability is water-down when you insure on a master policy.

    Comprehensive Coverage We have complete packages, that include Directors and Officers coverage, Discrimination, Property Manager, Fidelity Coverage and Employment Practices Liability.

    Umbrella Coverage up to $100 Million – no shared umbrellas, we have individual excess liability coverage that is superior to group umbrellas.

    Replacement Cost Analysis We’ll provide a reconstruction cost analysis using a system developed by Marshall & Swift, a leading property valuation company in North America - this will enable us to recommend proper building coverages.

    Vacant Properties We have new programs for vacant properties – properties that are turned down by many major carriers.

    We are members and actively participate in several Professional Real Estate Associations.

  • * Condominium and Homeowners   Associations (HOA's)

  • Condominium and Homeowners Associations (HOA's)


    Farmers Business Group is the leader for insuring Condominiums and Homeowners Associations.

    Farmers has industry-leading insurance solutions for your Condominium, Planned Unit Development or Homeowners Assocations.

    We don’t put your properties in insurance “pools” or “Master ” policies. These types of policies are inferior in many ways. There are many agencies and programs that will write your property and liability insurance on a Master Insurance policy that shares coverage with hundreds of other properties and separate owners. These policies can extend to cover many states that are subject to their local disasters. These policies subject your rates to claims from other no-related properties. Also, the Umbrella Liability is water-down when you insure on a master policy.

    Comprehensive Coverage We have complete packages, that include Directors and Officers coverage, Discrimination, Property Manager, Fidelity Coverage and Employment Practices Liability.

    Umbrella Coverage up to $100 Million – no shared umbrellas, we have individual excess liability coverage that is superior to group umbrellas.

    Replacement Cost Analysis - We’ll provide a reconstruction cost analysis using a system developed by Marshall & Swift, a leading property valuation company in North America - this will enable us to recommend proper building coverages.

    We are members of several Professional Real Estate Associations, including the Arizona Multihousing Association (AMA), the Arizona Association of Community Managers (AACM), Building Owners and Managers Association (BOMA), and the Community Associations Institute (CAI).

  • * Education and Non-Profit

  • Education and Non-Profit


    With over 80 years of experience providing insurance coverage for businesses and business owners, Farmers understands the specific needs of Education and Non-Profit organizations.

    Farmers Business Insurance specializes in providing insurance solutions for Private Schools K-9, Adult Education, Child Day Care, Civic Clubs and Museums.

    In addition to the standard Property, General Liability and Crime coverages, Farmers Business Insurance can customize coverage for your School or Institution - some additional coverages available include:

    Tuition and Fees - Obtain coverage for the loss of business income derived from tuition and fees if your Education and Non-Profit organization is damaged by a fire, hail, windstorm or other unexpected event.

    Counseling Professional Liability - Obtain coverage for your organization for any negligent acts or omissions arising from a covered professional counseling service such as vocational counseling, educational or learningdisability therapy.

    Corporal Punishment Liability - Obtain coverage for your K-9 private school or Child Day Care against claims of corporal punishment inflicted on children under your care, whether the claims are based in truth or not.

  • * Employment Practices Liability

  • Employment Practices Liability


    Employment Practices Liability if available as an option on every Business policy that Farmers Business Insurance offers. Different Coverage limit options are available.
    If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. Farmers Employment Practices Liability Insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

    What does EPLI pay for?

    EPLI pays for damages on behalf of the insured that result from any covered employment practices claim. It also pays for related defense costs.

    Examples of employment practices are:

  • Wrongful demotion, negligent evaluation, negligent reassignment or wrongful discipline
  • Wrongful termination of employment, including retaliatory or constructive discharge
  • Discrimination as a consequence of age
  • Sexual Harassment, being subjected to offensive remarks, unwanted sexual advances, indecent behavior and the failure to stop such behavior.
  • * Home and Building Contractors

  • Home and Building Contractors


    Farmers Business Group is a leader in the Contractors Insurance market. Some of the Contractors we service include Electrical, Heating & Air Conditioning, Landscapers, Sheet Metal, Plumbing, Janitorial and many more classes.
    Certificates of Insurance and Endorsements No premium charges for certificates, including most endorsements.

    Our experienced staff can expedite requests from the large General Contractors and the Insurance Compliance centers with same day service.

    Additional Insured, Waivers of Subrogation and Primary Language on Certificates is available for no additional premium when required by Contract. Per Project Aggregate Limit of Liability are included automatically and provides separate "premises operations" limits for each jobsite.

    Tool & Equipment coverage is replacement cost, most carriers use depreciated actual cash value.

    Workers' Compensation for Contractors
    *Rates up to 35% less than SCF
    * No Deposit on accounts under $25,000
    * Level monthly billing, no quarterly reports –saving you valuable time.

    *Lower your Experience Rating/"e-mod" through our experienced, local claims management team. We provide services such as safety counseling and personalized claims analysis.

  • * Hotel / Motel

  • Hotel / Motel


    With over 80 years of experience providing insurance coverage for business owners, Farmers understands the specific needs of hospitality industry proprietors.

    We have new programs for Bed & Breakfast, Hotels and Motels.

    From slip and fall accidents involving customers in the lobby, to a fire that damages a unit and injures a customer, you need to know you have the coverage you want when the unexpected happens. Farmers Hotel Business Owner’s Package enables you to choose tailored coverage to meet your insurance needs.

  • * Manufacturing

  • Manufacturing


    From product recalls and equipment breakdown, to customer claims of injury or illness due to products you sold to them, you need to know you have the coverage you want when the unexpected happens. Farmers Manufacturer’s Package enables you to choose tailored coverage best suited to meet your insurance needs.

    With over 80 years of experience providing insurance coverage for business owners, Farmers understands the specific needs of those who own manufacturing businesses.

    Farmers Manufacturer’s Package can be designed for the challenges and opportunities that manufacturing business owners often face. Connect with a Farmer’s agent to help you to further tailor your Farmers Manufacturer’s Package or Request a Quote.

    Farmers Manufacturing policy offers a Guaranteed Premium, Non-Auditable policy that is not subject to payroll or sales.

    Workers’ Compensation Insurance provides coverage for work-related injuries or illnesses that your employees sustain as a result of hazards or accidents that may occur in the workplace. With Workers’ Compensation Insurance, Farmers can help you identify potential workplace hazards and educate employees on how to reduce on-the-job injury. More detail on worker's compensation insurance.

    Umbrella Coverage offers up to $10 million or more over and above your existing business liability policy, providing coverage for your manufacturing business above and beyond basic business liability insurance limits for general, auto and employer’s liability.



  • * Professional Services

  • Professional Services


    Farmers Business Insurance has solutions for a variety of Professional Offices, including Accountants, Engineers, Health Providers, Real Estate and many more.

    From client or patient injuries, to office damage and equipment malfunctions, you need to know you're covered when the unexpected happens. Farmers Business Professional Services Package enables you to choose tailored coverage to meet your insurance needs.

  • * Religious Organizations

  • Religious Organizations


    From visitor injuries that can take place on the premises, to claims of abuse by pastors, directors or officers of the organization, you need to know you have the coverage you want when the unexpected happens. Farmers Religious Organizations Package enables you to choose tailored coverage to meet your insurance needs.

    We’re a preferred carrier that can help you safeguard your organization with an insurance program tailored to your needs. Your Farmers policy package includes the key coverages your organization needs, and gives you the ability to customize your package with extra coverages and higher limits.

    Coverage Features

    Pastoral Professional Liability (optional) Obtain coverage for your organization against damages resulting from church members who were negatively affected by counseling they received from a pastor or priest. Learn More

    Abusive Acts Liability Coverage (optional) Obtain coverage to help you protect your organization against actual or threatened abuse by a pastor, employee, director or officer acting on behalf of your religious organization that causes injury to someone.

  • * Restaurant

  • Restaurant


    From food spoilage, equipment malfunction and contamination shutdown, to employee and customer injuries onsite, you need to know you have the coverage you want when the unexpected happens. Farmers Restaurant Owner’s Package enables you to choose coverage specifically suited to meet your business insurance needs.

    Understanding Coverage for Restaurant Owners

    With more than eight decades of experience providing insurance coverage for business owners, Farmers understands the specific needs of those who own restaurants.

    Farmers New Enhanced Restaurant Insurance offers more coverage and options than any other carrier.

    Contact us to quote your Fast-food, Fine Dining or Family Style Restaurant.

  • * Retail

  • Retail


    From inventory theft, equipment breakdown and employee injuries onsite, you need to know you have the coverage you want when the unexpected happens. Farmers Retail Store Owner’s Package enables you to choose tailored coverage to meet your insurance needs.

    Understanding Coverage for Retail Store Owners With over 80 years of experience providing insurance coverage for business owners, Farmers understands the specific needs of those who own retail store.

  • * Wholesale

  • Wholesale


    From inventory theft and equipment breakdown, to issues associated with transporting goods, you need to know you have the coverage you want when the unexpected happens. Farmers Wholesale Business Owner's Package enables you to choose tailored coverage to meet your insurance needs.

    Understanding Coverage for Wholesale Business Owners With over 80 years of experience providing insurance coverage for business owners, Farmers understands the specific needs of those who own wholesale businesses.

  • * Umbrella Liability

  • Umbrella Liability


    It’s in the news. You hear more and more about massive jury awards that result in a business’ financial ruin. Most business owners never expect to encounter a loss that exceeds the limits of the coverage they have to manage accidents, mistakes and injuries—also known as liability insurance—but unfortunately in today’s business environment, it happens too often.

    A large loss could impact the business success you’ve worked so hard to achieve and destroy your hopes for a bright future. Umbrella Coverage can help you protect the assets you have today by providing added coverage where you need it most.

    We offer superior, Non-shared, Individual Umbrella Programs up to 100 Million.

    A Shared-Limit/Shared-Policy Umbrella Program is just what it sounds. One limit of insurance is shared amongst all of the insureds in the program. In the eventuality that one insured in the program makes a claim and exhausts the limits of the program, the remainder of the insureds in the program have no coverage. In the last several years, we have seen an increasing number of wholesalers put together these types of programs.

    It is our belief that these programs do a terrible disservice to insureds, and should only be utilized by agents in the most dire or unusual of circumstances. We don’t offer these programs.

    All Businesses Are Vulnerable

    No matter the size of your company or how well it’s run, your business faces the potential of a devastating claim arising from an unforeseen event. For example, let’s say you own a retail store or apartment building, and a customer trips on the carpet and hits his head, sustaining serious brain injury. You could be potentially liable for millions of dollars in medical and other payments.

    Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what’s not covered? If your answer is no, that’s where Umbrella Coverage comes in.

    Umbrella Coverage goes above and beyond basic business liability insurance limits, offering up to $100 million of additional funds to manage situations just like this.

    If you are a small business owner, you might think they can’t take what you don’t have. Think again—a court can seize the business assets you currently have and even allocate future earnings to satisfy a judgment against you. It’s never too soon to invest in umbrella coverage.

Greulich's Automotive Services - "It's your customer service that gives our policy real value"

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We’re a Commercial “Elite” Farmers Agency

Farmers Business Insurance has become the leading Business Insurance company in Arizona, not available through independent agents. Farmers has new innovative and industry-leading rating methods for Business Liability and Commercial Auto.


Our advantage is that we can act as a broker for certain risks not placed through Farmers – providing our customers the best of both worlds. This flexibility provides comprehensive Business and Workers’ Compensation Insurance options for our customers.