Business
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Bob Williams Insurance can help you safeguard your business with an insurance program tailored to your needs. Our policies are flexible and designed with your industry in mind.

We consider the limits, coverage and deductible requirements you have chosen, as well as past loss experience and loss-prevention efforts. We also assess your current hazard control and safety features. These factors allow us to tailor a rate just for you.
 

Business Property Insurance
Whatever each new day brings, Farmers Business Property Insurance is still your best defense against unexpected occurrences such as fire, hail, windstorms, and other natural disasters. Key coverage examples include those listed below.

Building Coverage
Your success happens at your store, office, factory and/or other locations. Then a loss occurs, rendering your place of business unsafe for you and your employees. Farmers Business Property Insurance will make certain your damaged building is repaired or rebuilt, returning you to business quickly.

Business Personal Property Insurance
The loss of any property you own or create for sale affects your bottom line. If a covered peril damages any of these items, Farmers Business Property Insurance can help you replace everything from computers and inventory to equipment and tools.

Business Income
If a major covered loss destroys or damages your property, you need assurance that you can continue to operate and replace lost income while the office and its contents are being rebuilt and replaced. Business income insurance not only replaces lost business income, but it can also cover the necessary operating and payroll expenses needed to keep a business operating after a loss. Farmers Insurance provides coverage to keep your business operating until goods and services are being produced again.

Extended Business Income
Coverage can also help your business by replacing lost business income for an extended period of time after your business is back on its feet again.

Business Liability Insurance
You are responsible for the expansion, innovation, competitiveness and profitability of your business. But keep in mind you’re also liable for the unintentional accidents, mistakes or injury in which you or your employees may be involved. Anyone who comes in contact with your business can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Farmers Business Liability Insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay up to the policy limits selected. Contact us.  We are expert in working with business owners, and you can choose from a wide range of options that fit your individual business insurance needs.

Business Crime Insurance
Whether you’ve just started a company or your enterprise is established and growing, your future success depends on what you do to build and protect your business today.

As a business owner, you need to concern yourself with losses that can happen from both inside and outside your establishment. Contact us to build a tailored insurance solution that meets the specific needs of your business

You may think that robbery or embezzlement are the most common crimes that could come your way, but unfortunately there are many more. You may also think that other forms of coverage you currently carry, like business property insurance, will fully safeguard your business income from crime-related losses. That is simply not the case. Farmers Business Crime Insurance can help bridge those potential gaps, providing coverage for:
 

  • Employee Dishonesty
  • Money and Securities Inside/Outside
  • Money Orders and Counterfeit Paper Currency
  • Forgery and Alteration

Business Auto Insurance
Vehicles put your employees in front of existing and prospective customers and get your products to where they need to go. But unlike the oversight and insight you have on your business operations, road conditions, weather and other drivers are out of your control. Any bodily injury, including injury sustained by other drivers, passengers and pedestrians – for which you are responsible, or damage caused to other vehicles or property, could put your business in financial jeopardy.

Just like your car insurance, Business Auto Insurance is there to keep you, your employees and your business on the road to a bright future. Customizable to your individual business needs, Farmers offers many Business Auto Insurance options for the vehicles you own, lease or rent for business use. Upon the unexpected, it is essential that your employees medical needs are quickly addressed so they can return to work as fast as possible. And that is exactly what Farmers can help you do.

Commercial Umbrella Insurance
It is 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. 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. Farmers Umbrella Coverage can help you protect the assets you have today by providing added coverage where you need it most.

Life Insurance for Business Owners
People may be the most important asset your business has. Farmers Life Insurance for Business Owners offers many options to help you recruit, retain, reward and retire employees as well as prepare for business succession should the unexpected occur. Farmers has provided generations of businesses the security only life insurance protection can bring.

Workers Compensation Coverage
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services.  It also provides death benefits to surviving spouses and dependents.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.


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