Features and Benefits

Farmers and the Missouri Dining & Food Safety Group Insurance Program Exclusive Advantages

This program provides industry-specific services and benefits to all Dining and Food eligible classes of businesses. The cost savings and benefits can have an immediate effect on the “bottom line” of your operation.

  • Dedicated home office franchise & association manager and team
  • 5% association discount on workers’ comp, 5% workers’ comp account completion credit when the BOP is written, 10% franchise discount on BOP
  • Potential dividends to the association and its members on workers’ compensation profitability (once premium threshold is met)
  • Specialized loss prevention and safety programs
  • Dedicated association underwriting team with three company placement options for further pricing flexibility

An Insurance Program That Fits

We’re a preferred carrier that can help you safeguard your business with an insurance program tailored to your needs. Your Farmers policy package includes the key coverages your business needs, and gives you the ability to customize your package with extra coverages and higher limits.

Business Auto

We offer all the standard coverages, plus many options for the vehicles you use in your business (whether you own, lease or rent), including:

  • Bodily injury and property damage liability
  • Collision damage
  • Comprehensive car damage or specified causes of loss
  • Uninsured/underinsured motorist
  • Many additional coverage options

Great Discounts, Too

Farmers’ fleet and package discounts can save you money. Good driving records and loss history can save you even more.

Commercial Umbrella

No one expects to encounter a loss that exceeds the limits of his or her policy, but unfortunately, liability lawsuits (resulting in large jury awards) can and do happen. As the name implies, Farmers’ Commercial Umbrella goes “over the top” of your existing Farmers Business Liability coverage, offering $1 million or more added financial security.

Business Life, Retirement and Financial Services*

Have you thought about preparing for your retirement, or how you will attract and retain good employees? Or what would happen to your business in the event of the death of an owner, partner or key person? Farmers can help.

Solutions include these coverages:

  • Employee and executive incentive
  • Business continuation and key person
  • Individual and group life

Farmers also works with a number of well-known names in the financial services industry to provide you with solutions that fit your individual situation. Farmers insurance and financial services agents* can help you with everything and can also offer you additional solutions, such as:

  • Individual and group retirement plans
  • 401(K) plan
  • Employer-sponsored college education plans
  • Mutual funds
  • Variable Life insurance
*Farmers insurance and financial services agents are registered with, and securities are offered through, Farmers Financial Solutions, LLC, 30801 Agoura Road, Bldg, 1, Agoura Hills, CA 91301. (818) 584-2000, Member FINRA & SIPC. Not all products are available in all states.
Note: This is a general description of the coverages and is not a policy contract. The endorsements themselves should be read for the actual coverage and exclusions