BUSINESS INSURANCE · 5280 INSURANCE AGENCY

Coverage for the business you actually run.

For restaurant, retail, office, service, contractor and residential-property owners, start with your operations: What could a liability claim, property loss, interrupted income, work vehicle or employee injury mean for you? We’ll help sort the relevant policy types and compare terms, then confirm availability for your location and business.

Tell us where your business operates. Eligibility and product availability vary by business, carrier, location and appropriately licensed team member.

START THE CONVERSATION

Request a business and whole-picture coverage review.

Select Business property, liability & employees and every other area you want us to consider. A team member will follow up to learn about your operations and the rest of your risk picture. This is a consultation request, not an instant quote or a way to bind coverage.

Kimberly Smith · Commercial Insurance Specialist

General liability

Ask about third-party injury, property damage, products or completed work, limits and exclusions. Check whether a contract calls for particular limits or additional insured wording.

Business owners policy

A BOP may package property and liability for eligible businesses. Review buildings, equipment, inventory, business income and the losses or activities it may not address.

Commercial auto

Who owns the vehicle and who drives it for work? Ask about business-owned vehicles, hired or non-owned vehicles, physical damage and where personal auto coverage may fall short.

Workers’ compensation

Tell us where your employees work and the kind of work they do. Rules and coverage requirements depend on the state and your operation; classification and payroll estimates matter.

Six industries. Focused commercial expertise.

We concentrate on the businesses and property risks we understand deeply, with practical guidance for liability, property, income protection, auto, workers’ compensation, and industry-specific needs.

Coverage designed around food service operations, customer traffic, equipment, spoilage, liquor exposures, and delivery risks.

• Full-service and fast-casual restaurants
• Cafés, bakeries, and coffee shops
• Bars and taverns
• Food trucks and caterers

Protection for inventory, storefronts, customer injuries, online sales, business income, and multi-location retail operations.

• Boutiques and specialty stores
• Convenience and neighborhood markets
• E-commerce businesses
• Multi-location retailers

Practical coverage for professional workplaces, office property, client interactions, cyber risk, and errors or omissions exposures.

• Professional and administrative offices
• Accountants and bookkeepers
• Law firms and consultants
• Medical and dental offices

Flexible insurance for service-based businesses working at their own location, at customer properties, or across a local service area.

• Cleaning and home service companies
• Salons, spas, and personal care
• Repair and maintenance businesses
• Local service professionals

Coverage for jobsite liability, tools, equipment, vehicles, completed operations, employees, and contract requirements.

• General contractors
• Electricians and plumbers
• HVAC and mechanical trades
• Roofers and remodelers

Property and liability solutions for residential real estate owners, associations, and managers with tenant and shared-property exposures.

• Apartment and multifamily owners
• Condo associations and HOAs
• Landlords and lessors risk
• Property management firms

BEFORE THE NEXT RENEWAL

Has the business changed since the last review?

A new location, larger inventory, changed payroll, additional vehicles or a different kind of work can affect the coverage conversation. Share your current declarations pages and any new lease or client requirements through an appropriate secure channel—not the brief request form.

We begin with available Farmers options; where appropriate and permitted, our licensed team may explore approved additional markets. A licensed professional confirms eligibility, policy language, carrier availability and price.

Questions worth bringing

• What does the business own, lease or keep at customer sites?
• Would an interruption after a covered loss affect income?
• Are employees, subcontractors or drivers doing different work?
• Do contracts require particular limits or endorsements?
• Are cyber, professional services or unusual property exposures part of the picture?