The Farmers Retail Store Program

When it comes to insurance for Retail Stores, Farmers is the only name you need to know. Since 1928, the Farmers Insurance Group of Companies has been one of the leading providers of innovative insurance coverages, products, and services. With over 30,000 agents and employees, nearly 15 million policies, 200 claims offices, and assets exceeding $24 billion, Farmers has grown to become one of the largest insurance groups in America, providing the financial strength and stability you can depend on. Our knowledge, superior service, innovative products and experience have been the keys to our success.

Only an insurance group as large and financially stable as Farmers can underwrite such a comprehensive, custom insurance program for the Retail Industry. Our extensive network of agents and claims offices promises you the resources and personalized service you deserve.

Protection
Custom coverages that minimize possible gaps and costly duplicates.
Our Retail Store Package Policy offers a wide range of coverages to protect your business and can be tailored to meet your specific property, liability and other insurance needs. Whether you own one store, or a chain of stores, Farmers has a plan for you.

Price
Competitive and Flexible.
We offer flexible pricing plans designed to reflect the unique characteristics of your business, taking into consideration:

• Limits, coverage and deductible requirements Past loss experience and loss prevention efforts
• Hazard control and safety protection features

Service
Return on investment.
Insurance is no small investment. You expect quality service. And that is what you will get - customized coverage accompanied by excellent service through professional, knowledgeable and responsive agents and Claims Representatives.

Professional Agents and Underwriters
Specialists in the industry.
Our agents and underwriters are highly trained professionals who specialize in providing insurance to Retail Stores. They not only know the unique insurance concerns of your industry, they know your business.

Claims
Expert service.
Claims representatives are key players on our team. They are specialists in Retail Stores so you can always be assured of prompt, responsive claims handling. Our extensive network of claims offices guarantees that our claims representatives will be working on quickly to manage losses and their impact on you and your business, mitigating many of the hidden costs that drive claims costs upward.

Farmers Is Easy To Do Business With
Depend on us.
Insurance is an important and necessary part of your business, but it should not be your major concern. Depend on our efficient, friendly agents and a wide range of insurance products for your insurance needs. Our agents can provide you an annual Farmers Friendly Review of your policy and your changing needs.

Safety Education Materials and Loss Control
Your partner in safety.
The Farmers Companies offer a wide array of posters and brochures to reinforce loss control and safety programs, which assist in improving employee awareness and meeting legal requirements.

Coverages...

Property Coverages
Customized for the industry.
Customized property coverages are tailored to meet your individual needs, including your buildings, business property, business continuation, replacement cost, inflation guard, and equipment breakdown coverage.

General Liability
Asset protection.
Despite your best efforts to operate your business to the highest standards, you have unique liability exposures. Our liability coverage is your best defense, offering protection for premises, products, contractual, personal and advertising injury, and many other liability exposures.

Crime Coverages
Quality protection.
As a business owner, you have to concern yourself with theft losses you may sustain both inside and outside your establishment. Farmers offers options that provide protection ranging from employee dishonesty to depositor's forgery, and broad form money and securities coverage.

Optional Coverages and Limits
Meeting your needs.
While our policy is especially designed to meet the specific needs of your industry, Farmers understands that as a business owner you may have different requirements. That is why Farmers offers you the choice of additional coverages and higher limits in some areas. You have the option to increase limits on coverages such as outdoor signs and accounts receivable, and add coverage such as liquor liability.

Related Insurance Products...

Workers Compensation
Financial protection against work related injuries.
Farmers is successfully tackling the skyrocketing costs of Workers' Compensation through our highly trained claims personnel, managed care and fraud prevention program, and other custom services designed to protect you and your employees while helping to control your Workers Compensation costs. We specialize in providing Workers' Compensation for Retail Stores.

Business Auto Coverage
For vehicles you own.
Tailored to your individual needs, we offer all the standard coverages plus many options for the vehicles you own or rent and use in your business.

Umbrella
Catastrophe liability protection.
You hear and read about high awards resulting from liability lawsuits. Our Umbrella policy provides added protection against large liability judgements.

Additional Coverages
Your Farmers agent offers a vast array of products and services to protect your financial security:

• Personal Auto, Home, and Life Insurance
• Business Life Insurance
       Simplified Employee Pension
       Qualified Pension Plan
       Partnership Insurance
       Sole Proprietor Insurance
       Stockholder Insurance
  

Call your Farmers agent for a proposal today.