Because
your office relies on dealing with the public, you need specific
insurance coverages for you, your customers and your
investments. At Farmers®
Insurance, we understand that, and California Fast Food Safety
Association and Osborne Insurance Agency can help you make the
right decisions.
Farmer’s Insurance offers a
multi-coverage package policy that addresses your business
needs. It provides you with property coverage, business
liability and optional crime coverage all-in-one with additional
coverages available if necessary. It avoids dangerous coverage
gaps and also costly coverage duplications.
Property Coverage
Property coverage includes:
Building(s)* including:
All garages, storage buildings and completed additions to the
business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business Personal Property used for the maintenance and service of
the building including fire extinguishing equipment, floor
coverings, drapes and appliances
Outdoor furniture
*Available if you own the building or
your lease agreement requires you to insure it.
Business Personal Property including:
Personal property
Personal property of others
Improvements and betterments
Loss of income
Valuable papers
Accounts receivable
Debris removal
Emergency removal
Newly acquired business personal property
Property temporarily away from premises
Outdoor trees, plants or shrubs
Seasonal automatic increase
Consequential loss
Collapse of buildings
Optional Property Coverages:
Building glass Outdoor signs
Electronic data processing equipment
Business
Liability Coverage
Business Liability coverage
includes:
Premises and operations
Premises medicals
Products and completed operations
Employers non-ownership
Personal injury liability
Broad form property damage
Contractual liability
Employees as additional insured
Fire legal liability
Medical expenses
Supplementary payments
Optional Crime
Coverage (for additional premium)
Optional Crime coverage includes:
Employee dishonesty
Broad form money and securities - inside
Broad form money and securities - outside
Medical payments
Forgery or alteration
Additional
Coverages
Building ordinance
Commercial auto
Umbrella coverage
Equipment breakdown
Earthquake coverage (in states where available)
Workers' compensation (required if there are any employees on staff)
The
statements of coverage shown here are brief summaries and do not show
policy exclusions. The policy should be read for your actual coverages
and exclusions.