Protecting Your Business:  Contractors Advantage

WE UNDERSTAND YOUR BUSINESS

You're a successful contractor. You've made a substantial investment in tools, equipment and building materials. You often rely on others to help you complete a job.  You're used to unforeseen complications that can interrupt schedules.

But how well do you know the risks you face?  What if there's an accident on the site? Destruction of on-site equipment?  Could you recover from the unexpected? Is your business - and your family - protected against catastrophic loss, accidents, liability claims or loss of income?

THE PROFESSIONAL INSURANCE REVIEW

Today's contractors need flexible, tailored insurance coverage that addresses specific exposures and goals. Satisfying this need is not just a matter of calling an 800 number or getting a quote on a Web site.

At Farm Family, we understand the unique issues contractors face.  Drawing on long experience, a local presence, a comprehensive portfolio of products and the commitment of our people, we can help you manage the risks of day-to-day commerce.  And we can help you recover from misfortune and keep your business intact until the day you decide to sell it or pass it on to the next generation. 

PROTECTION YOU NEED

Farm Family's Contractor Advantage policy contains valuable coverage and features for your contracting needs. And since your time is money, we promptly issue certificates of insurance and offer broadened coverage for additional insureds so you can get started on the job.

Property 

• Tools, equipment and building materials, whether on or off premises or in transit
• Property of others while in your care, custody or control
• Property in transit or temporarily off premises
• Valuable papers and records, including electronic or magnetic media
• Newly acquired property
• Money and securities on and off premises
• Peak season coverage

Liability 

• Premises and Operation
• Products/Completed Operations
• Personal Injury
• Advertising Injury
• Fire Legal Liability
• Contractual

Loss of Income Protection 

• Up to 12 months of business income
• Paid extra expenses needed to resume normal business operations

COVERAGE YOU NEED

A successful business is able to eather constant change.  As your business grows, it's important to make sure your coverages match the structure of your business.  Depending on your exact business needs, you may want to include special optional coverages in your policy to address your specific needs: 

• Commercial Automobile
• Commercial General Liability
• Umbrella Coverage
• Hired or Non-owned Auto
• Mechanical Failure
• Employee Dishonesty
• Glass Coverage
• Outdoor Signs
• Accounts Receivable
• Valuable Papers and Records
• Earthquake
• Worker's Compensation
• Health Benefits

EASY TO DO BUSINESS WITH

At Farm Family, we know that every business is unique and every situation is different.  That's why we provide many special features to make your business run smoothly: 

• Payment Plans that enable you to spread your premium payments to free up capital 
• Electronic Funds Transfer with any billing plan
• Premium Discounts that lower your payments with credits for qualified security systems
• Professional Insurance Reviews conducted to help you make sure your coverages match the structure of your business today.

QUICK CLAIMS PROCESSING