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The more successful your company, the more it may attract the attention of dishonest people — whether employees, associates or outsiders.
Here are just a few ways you can personalize a Farmers policy to help manage typical risks:
Employee dishonesty
Risk:
While reviewing bank statements from the last few months, you discover someone wrote checks worth thousands of dollars to a vendor you don’t use.
Coverage:
Employee dishonesty coverage can help if employees steal from your company — whether on their own or with the help of outsiders.
Theft
Risk:
Your deposit bag is stolen from a messenger on her way to the bank — and contains more cash than usual because it’s your company’s busiest time of the year.
Coverage:
Money and securities theft (external) coverage can help if money and securities are stolen while they’re in the care of anyone covered by your policy.
Counterfeit currency
Risk:
You accept what appears to be a perfectly legitimate money order. A few days later, your bank tells you it was counterfeit and immediately debits your account.
Coverage:
Money order and counterfeit paper currency coverage can help if you accept counterfeit bills or money orders as payment.
Forgeries
Risk:
Although addressed to your business, a batch of newly printed checks are delivered to someone else — who uses several of your checks to pay for expensive electronic equipment.
Coverage:
Forgery and alteration coverage can help when checks are fraudulently written, altered or signed.
Data breaches
Risk:
A hacker gains access to your computer system and steals your customers’ credit and debit card information.
Coverage:
Cyber liability and data breach response coverage can help you investigate a breach and manage negative effects on your company’s reputation. It also helps you notify consumers and provide them with credit monitoring service for a period.
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Liability
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Workers’ Compensation
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"Exceptional customer service. Called me back the next day with a quote. Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage. Highly recommended."
“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs. Thank you for a great experience!”
"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."
"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"
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"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"
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"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"
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"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."
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"Trustworthy agent who really cares about his business."
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