Food Shops

No One Takes Care of Business Like State Farm®

Our business policy will help you through a variety of situations. Just suppose:

• Your office was destroyed by fire or vandalism
• A customer brought a lawsuit against you
• A business had to shut down depriving you of income
• Your business documents were lost or destroyed

Here's a Few of the Distinctive Features Available in the Business Policy:

• Coverage for your business property such as buildings and other structures, inventory, property in transit, and much more
• Comprehensive general liability - To help protect yourself financially against costly claims and lawsuits
• Loss of Income - Protection in case you must close your business because of a covered loss
• Accounts Receivable – Covers loss of monies due to you that are uncollectible because of damage to accounts receivable records
• Back up of Sewer and Drain – Provides coverage for accidental direct physical loss to business personal property at your location
• Computer Property – Coverage for computer equipment used in the business operation
• Data Compromise and Identity Restoration – Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft
• Employee dishonesty – Covers direct physical loss of business personal property including money and securities caused by dishonest acts committed by employees
• Equipment Breakdown – Provides coverage for mechanical breakdown of covered equipment. Examples: refrigeration equipment, heating or air conditioning units
• Food Contamination - Loss of Income endorsement – Covers business income, direct damages and additional advertising expenses if your business is ordered closed by the Board of Health or any other governmental authority as a result of food contamination
• Money & Securities – Covers the loss of business money and securities caused by theft, disappearance, or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored auto or within the residence of a messenger
• Signs – Covers accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control
• Temperature Change/Spoilage – Covers loss to perishable goods on your premises caused by a change in temperature, humidity, or pressure which is the direct result of specified conditions in the endorsement
• Utility Interruption – Provides loss of income coverage due to failure of communications, water, natural gas or electrical service to your insured premises for more than eight consecutive hours. See policy provisions

Let a local State Farm agent help you customize a plan for your business that can include a business policy, workers compensation, business life, and retirement.

This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

Identity Restoration and Data Compromise not yet available in: NY,CA,FL,RI