Protecting Your Business Contractors Advantage
Your contracting business is more than a job, it s your life. 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? Farm Family can help. From buildings and property to business personal property to business income to general liability, Farm Family offers comprehensive property and liability coverages to protect every aspect of your contracting business.
Designed for Businessowners Like You 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. Protecting What You Value Most Farm Family s Contractors Advantage policy contains valuable coverage and features for your contracting needs. And since 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 or off premises Peak season coverage Liability Premises and Operation Products/Completed Operations Personal Injury Advertising Injury Fire Legal Liability Contractual Primary and Noncontributory Coverage* Waiver of Subrogation* Loss of Income Protection Up to 12 months of business income Paid extra expenses needed to resume normal business operations
Presenting Options A successful business is able to weather 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: Hired and Non-owned Auto* Mechanical Failure Employee Dishonesty Glass Coverage Outdoor Signs Accounts Receivable Valuable Papers and Records Earthquake Geared Toward Your Needs 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. If you do suffer a loss or file a claim, Farm Family s claims adjusters are there 24 hours a day, providing responsive, hassle-free service that makes a difference in your time of need. We strive to process your claims quickly to get you back in business as soon as possible. *Available in most states.
Providing Complete Protection Beyond Contractors Advantage, additional Farm Family products are available that provide you expanded levels of protection to help keep your business running smoothly. Talk to us about conducting a professional insurance review to round out all your business insurance needs: Commercial Automobile Commercial General Liability Umbrella Coverage Workers Compensation Homeowners/Country Estate The Most Important Part of Your Business is You You are your business s primary asset. You want to make sure your family members can pay bills and maintain their lifestyles should you fall ill or become injured. Farm Family offers: Disability Income Life Insurance Retirement Funding Your Farm Family agent will help you plan for tomorrow by presenting coverage options that provide peace of mind for you and your heirs.
We Take a Personal Interest Protecting What You Value Most The Farm Family group of insurance companies, headquartered in Glenmont, New York, is part of the American National Family of Companies. Farm Family has been providing insurance protection for families and businesses in rural and suburban areas since the mid-1950s. Over the years, Farm Family has earned a solid reputation, with an established tradition of trust. We continue to honor that commitment with pride. Farm Family agents take a personal interest, protecting what you value most. We recognize that personal service is the key to meeting your individual and business needs. Many of our agents have agricultural backgrounds, and some of them even began their relationship with Farm Family as clients. We re big enough to meet a wide range of coverage needs, yet small enough to listen to your concerns and provide the personal attention you deserve. Talk to a local Farm Family agent today, and find out what we can do for you. Call 1-800-THE FARM (1-800-843-3276) or visit our Web site at www.farmfamily.com. Farms / Ranches / Country Estates / Small Business Owners / Contractors Commercial General Liability / Homeowners / Commercial and Personal Auto / Umbrella Liability Life Insurance / Disability Income / Annuities / IRAs 1-800-THE-FARM This brochure contains only a general description of the coverages and is not a statement of contract. www.farmfamily.com All coverages are subject to the terms and conditions of the policy itself. Not all coverages are available in all states. Property/casualty insurance products offered by Farm Property/casualty Family Casualty insurance products Insurance offered Company, by Farm Glenmont, Family Casualty NY, Insurance in Company, Glenmont, CT, NY, DE, in CT, MA, DE, ME, MA, NH, ME, NJ, NH, NY, NJ, RI, NY, VT RI, and VT and WV, WV, and and United Farm Family Insurance United Company, Farm Glenmont, Family NY, Insurance in MD and Company, PA. Life insurance Glenmont, products NY offered by Farm Family in MD Life and Insurance PA. Life Company, insurance Glenmont, products NY. offered by Farm Family Life Insurance Company, Glenmont, NY. 1-800-THE-FARM www.farmfamily.com X-4014 0608