Farmers has all the basic coverage you’d want from a commercial auto insurance provider, but it also offers some specialized options for contractors like ice cream truck drivers and construction companies. With 90 years of experience, Farmers is a great option for businesses and contractors looking to cover their vehicles.
Specialized Coverage for Contractors
Farmers caters to contractors who rely on expensive equipment to run their businesses. If you’re in construction, the food industry, or another service that requires you to carry equipment in your vehicle, Farmers can help you attain customized coverage that extends to your business related tools/equipment.
You can also sign up for primary and noncontributory coverage as a subcontractor. This type of coverage will pay for damages that you cause so the main contractor doesn’t have to. Non-contributory is important when there are several parties involved — like an owner, contractor, and subcontractor — and you want to ensure you have protection for any damages that you are responsible for.
Commercial Auto Designed for Food Trucks
Farmers designed coverage specifically for food trucks, which have some unique needs when it comes to commercial auto insurance. As a food truck driver, you have to worry about thefts and damages, the chance of your customers getting food poisoning, costly equipment malfunctions, and incurring income losses because your truck broke down.
Farmers helps mitigate these risk with the following food truck coverage features:
- Mobile business interruption: Mobile business interruption coverage will reimburse you for any income lost when your truck is out of commission due to a covered loss.
- Mobile food vendor insurance: You can get mobile food vendor insurance with Farmers, which protects any business property on your truck, equipment breakdowns, and security costs.
- Premier package: Finally, you can sign up for Farmer’s premier package and increase your limits for food spoilage and foodborne illness. Whether you need to be reimbursed for the cost of food spoilage/equipment breakdowns or you are facing a lawsuit from a customer with a foodborne illness, the premier package has you covered.
DID YOU KNOW?
In a Boston-centered food truck study, nine of 96 food trucks were closed down after on-the-spot inspectors found food safety hazards. Although your provider won’t reimburse you for lost revenue due to a health inspection shutdown, quick claims on refrigeration and food storing equipment repairs can help prevent spoilage and foodborne illness.
Seamless Mobile Features
Farmers has a new and redesigned mobile app that will make managing your commercial auto insurance a lot more convenient. The new design has a sleek look and an easy-to-navigate menu page that lets you access your bills, payment options, policy documents, ID cards, claims requests, roadside assistance, and customer service agents.
We wanted to test the app’s advanced audio features, so we synced the app with Siri and tried to pay a claim. The process was as simple as asking Siri to pay a bill, answering Siri’s questions (when and how much we wanted to pay), and confirming the amount. That’s it.
We were also able to sync Alexa to the Farmers app for our non-iOS users. If you’re seeking a mobile- and tech-friendly insurance platform, Farmers won’t disappoint.