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Artisan Contractors
Farmers has developed a new approach to providing broad,
comprehensive coverage’s to our Commercial clients. We offer the
Artisan Contractor Industry Program based on the ISO Business owners
Policy for special trade contractors. This new integrated program
supports our Commercial Strategy and provides a variety of new coverage.
The industry is made of up of two major segments: Construction: Plumbers,
Electricians, Heating and Air Conditioning and Painters Service:
Landscape Gardeners, Janitorial Services and Carpet Cleaners
Automotive (Trades)
We have developed a new approach to providing broad,
comprehensive coverage to our Business customers. This new integrated
program supports our Business strategy and provides a variety of new
coverage’s.
Body Shops-Muffler Shops-Repair Shops-Transmission Shops-Auto Dealerships-Quick
Lube Oil Change Outlet.
Business Auto
Commercial vehicles are commonly an integral part of may
businesses. It is our desire to make coverage for these vehicles
available to fulfill the insurance needs of these businesses. Commercial
Vehicle Coverage can be written as part of the Business owners Package,
or may be written as a separate monoline Auto Policy.
Farmers has elected to pursue two major groups of vehicles that may
contain acceptable risks. They are:
1. Vehicles Used in the Select Industry Groups
2. Vehicles Not in the Select Industry Groups
Habitational
We have designed Habitational products that contain new
coverage plans for apartment owners and condominium associations. These
unique coverage plans and innovative policies are going to reinforce our
image as an industry leader.
Manufacturing
Manufacturing includes businesses engaged in the mechanical or
chemical transformation of materials into new products. These businesses
are usually described as plants, factories or mills and characterized by
the use of power driven machines and material handling equipment. The
product of a manufacturing business may be a final product in that it is
ready for use or consumption, or it may be a raw material for further
manufacturing. The assembling of component parts is also considered
manufacturing if the new product is not a building or other fixed
improvement. The manufacturing product focuses on five operations for the
business owners policy. All manufacturing risks must be submitted for
approval to the Commercial Service Center.
Commercial Real Estate
We are a leading provider of Commercial Real Estate insurance
coverage, products and services. Our Commercial Real Estate Program is
intended for owners of buildings which are leased or rented for office,
retail, light industrial, light manufacturing, or service-type business
occupancies. Parking areas may be provided for the building occupants
and customers.
Restaurant
The food service industry ranges from small carry-out
restaurants to large institutional food services. Restaurants, bars,
industrial and institutional food preparation services, caterers and
mobile food wagons all belong to this group. The type of business we
want to write is restaurants - a clearly defined segment of this large
industry group. Family oriented restaurants are our primary focus. Food
service is their main business. Sale of beer, wine or liquor is only
incidental to meal service.
Retail / Service
The most common businesses in the U.S.
are small retail stores, providers of services to businesses and
individuals, and professional offices. Farmers has selected seven
historically profitable types of businesses as its Retail/Service target
markets: Printers & Copiers, Food Stores, Retail Stores, Repair
Shops (other than auto), Hardware & Home Improvement, Offices and
Dry Cleaners.
Wholesale (Distribution)
Farmers is dedicated to providing comprehensive coverage to our
commercial clients in a single policy. This integrated program supports
our commercial customers' basic insurance needs yet provides a variety
of optional coverage.
Employment Practices Liability Insurance
(EPLI)
Do your business insurance customers know you may be able to
provide them the extra safeguard of an Employment Practices Liability
Insurance policy? Any business with employees recognizes the
responsibility to comply with employment laws. They also recognize that
every year these laws grow more complicated and place a greater burden
on the employer to protect and/or accommodate employees. EPLI is
available to any of your commercial customers and may be written before
securing other business with the client. EPLI is one of the fastest growing products in today s insurance
marketplace. The product provides protection against allegations
including the following: Wrongful termination (including breach of
contract) o Wrongful failure to promote o Wrongful demotion or
reassignment o Wrongful refusal to hire o Harassment, Coercion, and
Discrimination o Slander, defamation, libel or invasion of privacy.
Liability limits are available to a maximum of $1 million
aggregate, inclusive of defense costs. An endorsement to add third party
liability is available for additional premium. Deductible of $5, $10 and
$25 thousand are available subject to risk size and SIC. A coinsurance
option is also available.
Flood Insurance
Overview
Small business and condominium association owners are subject to the
same possibility of building and contents loss from flood, faced by
residential homeowner s. However, this exposure is often overlooked in
their risk management programs. Flooding happens all across the country
and occurs with largely unpredictable scope and severity. And it is not
an event that occurs only to those living near water. In fact, it is
safe to suggest that everyone should be concerned about flood. This is
where the Flood Insurance program fits in. A flood program
can provide coverage to small business or condominium association owners
for water or mudflow losses excluded in traditional insurance
policies.
Pollution (Insurance)
There are two
types of policies available in the program. Coverage for storage tank systems only.
Coverage for dealer and repair operations and includes any storage
tank system, as well.
Surety Bond Program
This easy to use system will
allow an agent to perform the following tasks: Complete a bond application
Obtain a bond quote Execute a surety bond Secure an electronic Power of Attorney
Obtain a bond number Obtain a customer invoice All other agents can take advantage of the
Quote and Application function of the system. Completed applications
can be printed and forwarded to the Surety Bond Servicing Office for
your state. Expansion of the bond issuance system to your state will
be announced in advance.
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