Business

Crime

Business Crime Insurance Coverage

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.

View More

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Life

Insurance coverage that can attract and keep employees.
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Fire Extinguisher on wall

Loss Control

A service that helps your business increase safety and efficiency measures.
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Local Shop Front

Property Insurance

Coverage for risks of the business building, property, and income.
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Coffee Shop

Liability

Covers risks associated with injuries to customers all the way to wrongful termination.
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Blue Car

Auto

Covers the cost of damaged commercial vehicles you own, rent or lease for your business.
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3 Workers talking

Workers’ Compensation

Insurance that covers employees recovery period who have been injured on the job.
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Storefront

Umbrella

Additional liability coverage you might need.
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Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Hannah Smith
Hannah is fully licensed in property and casualty insurance and is happy to run quotes, book policies, or answer any questions one might have.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

"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."

Kara Crismale - ⭐⭐⭐⭐⭐
Attorney | Faulkner & Graves, PC

“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!”

Owner | Shake It Up, LLC

"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!"

"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!"

"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!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."