Farmers Business Insurance 2023 Review: Pros, Cons, Coverage Options

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Farmers business insurance
Farmers business insurance: Pros and cons
Pros | Cons |
Multiline discounts available for bundling home, auto and small-business insurance. | Policies only available in 36 states. |
Can file a claim, make payments and request a business insurance auto ID card online. | Can’t get a quote or purchase a policy online. |
Fewer complaints than expected filed with state regulators about general liability and commercial auto insurance from 2018 to 2021. |
Farmers small-business insurance: Types of coverage
- Commercial crime insurance.
- Business umbrella insurance.
- Life insurance for small businesses.
- Loss control insurance services.
- Apartment buildings.
- Auto service and repairs.
- Commercial real estate.
- Contractors.
- Education and non-profit.
- Homeowners associations.
- Manufacturing.
- Office.
- Religious organizations.
- Restaurants and food trucks.
- Strategic accounts teams.
- Retail stores.
- Wholesale.
Farmers commercial property insurance
- Repairing or replacing business items, such as computers, tools and inventory — also known as business personal property insurance coverage.
- Replacing lost income and covering operating expenses — also known as business interruption insurance coverage.
Farmers general liability insurance
- Product and completed operations insurance.
- Cyber liability and data breach coverage.
How to get Farmers business insurance
Farmers customer service
Farmers business insurance cost
Article sources
Methodology
Business insurance ratings methodology
NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.
These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.
To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.