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
Workers’ Compensation
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