| D'yan Lopez Insurance Agency 635 E. King Street, Kingsville, TX 78363 Phone: 361-592-8450 Dyan@DyanLopezInsurance.com |
|
Types of business liability insurance coverage
Just like building a business, building an effective insurance program is done in steps. A good
first step is working with our agents to put together the right business owner's insurance policy
for the unique challenges facing your business.
Farmers artisan contractor coverage is a broad, comprehensive program for special trade
contractors. It offers expanded coverage to meet the specialized needs of those involved in two
major segments of the construction industry: artisan contractors and service providers.
Artisan contractors Service providers
• Appliance Installation • Landscape gardeners
• Plumbers • Janitorial services
• Electricians • Carpet cleaners
• Heating and air conditioning
• Painters
• Floor Covering Installation
Automotive Trades coverage
Whether you own a new or used auto dealership, a repair garage or a chain of transmission
shops, Farmers has an affordable plan customized to meet the specialized needs of your auto
sales and/or service business.
Automotive Trades coverage is available for:
• Body shops • Transmission shops
• Repair garages • Muffler shops
• Auto dealerships • Auto glass shops
• Quick-lube oil change outlets • Gasoline service stations
Commercial Real Estate coverage
Farmers Commercial Real Estate coverage provides a comprehensive program to property
owners who lease or rent building space used for offices, service businesses, retail stores, light
industrial or light manufacturing. Parking areas may be included in the coverage if used by the
building occupant and customers.
We offer coverage for:
• 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 coverage
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.
Coverage options include:
• Master Key
• Expanded Directors and Officers Liability (condominium)
• Business Income (apartment)
Manufacturing coverage
Farmers Manufacturing coverage is a comprehensive program to meet the special needs of
business owners engaged in the mechanical or chemical transformation of materials into new
products. It is available for the following five types of manufacturers.
Restaurant coverage
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 coverage's designed to meet your needs. Whether your restaurant
is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in
providing insurance for the following types of restaurants:
• Buffets • Delis
• Cafes • Diners
• Cafeterias • Drive-ins
• Carry-out restaurants • Fast food
• Coffee shops • Food bars
• Fine dining restaurants • Family-style
• Luncheonettes • Sandwich shops
Retail/Service coverage
The fastest-growing business segment in the United States is retailers and service companies.
Every day millions of these businesses provide a place for consumers to purchase retail goods or
find services. And each one of these businesses has special needs when it comes to finding the
right insurance program. That’s why Farmers Retail/Service offers a package of coverage's
designed to meet the special insurance needs of the businesses listed below.
• Printer and copier stores
• Hardware and home improvement stores
• Food stores
• Retail stores
• Offices
• Dry cleaners
• Repair shops (other than auto)
Wholesale/Distribution
As a wholesaler or distributor, you have unique insurance needs. Farmers specializes in
providing your business with carefully packaged coverage that delivers the goods no matter
what kind of goods you deliver. We specialize in the following categories of business:
• 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:
• Plumbing
• Heating and air conditioning
• Electrical equipment and supplies
Just like building a business, building an effective insurance program is done in steps. A good
first step is working with our agents to put together the right business owner's insurance policy
for the unique challenges facing your business.
Farmers artisan contractor coverage is a broad, comprehensive program for special trade
contractors. It offers expanded coverage to meet the specialized needs of those involved in two
major segments of the construction industry: artisan contractors and service providers.
Artisan contractors Service providers
• Appliance Installation • Landscape gardeners
• Plumbers • Janitorial services
• Electricians • Carpet cleaners
• Heating and air conditioning
• Painters
• Floor Covering Installation
Automotive Trades coverage
Whether you own a new or used auto dealership, a repair garage or a chain of transmission
shops, Farmers has an affordable plan customized to meet the specialized needs of your auto
sales and/or service business.
Automotive Trades coverage is available for:
• Body shops • Transmission shops
• Repair garages • Muffler shops
• Auto dealerships • Auto glass shops
• Quick-lube oil change outlets • Gasoline service stations
Commercial Real Estate coverage
Farmers Commercial Real Estate coverage provides a comprehensive program to property
owners who lease or rent building space used for offices, service businesses, retail stores, light
industrial or light manufacturing. Parking areas may be included in the coverage if used by the
building occupant and customers.
We offer coverage for:
• 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 coverage
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.
Coverage options include:
• Master Key
• Expanded Directors and Officers Liability (condominium)
• Business Income (apartment)
Manufacturing coverage
Farmers Manufacturing coverage is a comprehensive program to meet the special needs of
business owners engaged in the mechanical or chemical transformation of materials into new
products. It is available for the following five types of manufacturers.
Restaurant coverage
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 coverage's designed to meet your needs. Whether your restaurant
is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in
providing insurance for the following types of restaurants:
• Buffets • Delis
• Cafes • Diners
• Cafeterias • Drive-ins
• Carry-out restaurants • Fast food
• Coffee shops • Food bars
• Fine dining restaurants • Family-style
• Luncheonettes • Sandwich shops
Retail/Service coverage
The fastest-growing business segment in the United States is retailers and service companies.
Every day millions of these businesses provide a place for consumers to purchase retail goods or
find services. And each one of these businesses has special needs when it comes to finding the
right insurance program. That’s why Farmers Retail/Service offers a package of coverage's
designed to meet the special insurance needs of the businesses listed below.
• Printer and copier stores
• Hardware and home improvement stores
• Food stores
• Retail stores
• Offices
• Dry cleaners
• Repair shops (other than auto)
Wholesale/Distribution
As a wholesaler or distributor, you have unique insurance needs. Farmers specializes in
providing your business with carefully packaged coverage that delivers the goods no matter
what kind of goods you deliver. We specialize in the following categories of business:
• 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:
• Plumbing
• Heating and air conditioning
• Electrical equipment and supplies