Property & Liability

State Farm® packaged policies enable the purchase of insurance to be simple. It offers the coverages you need at an affordable price. Your agent can sit down and assist you in creating a plan to make sure your business needs are covered.

Protect Your Growing Business With State Farm’s Business Owners Policy

We have coverage for many types of businesses such as retail, food shops, and contractors.

Find your business or organization type to learn more about our coverage features:

• Retail Shops
  • Art & Craft Supplies Stores
  • Bicycle Sales & Service
  • Books Stores and Newsstands
  • Bridal Shops
  • Camera Store
  • Ceramic & Pottery Dealers
  • CD/DVD/Videotapes - Rentals and Sales Only
  • Clothing Store
  • Fabric Stores
  • Formal Wear-Rental

  • Gift, Card & Stationery Stores
  • Hearing Aid Stores
  • Hobby, Trophy & Framing Stores
  • Leather Goods stores (excluding coats)
  • Novelties & Costume Jewelry
  • Opticians
  • Shoe Stores
  • Sporting Goods Stores
  • Toy Stores

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• Office
  • Accounting Services
  • Advertising Agencies
  • Attorneys
  • Consultants
  • Financial Consultants or Planners
  • Graphic Artists/Designers/Illustrators
  • Insurance Agents

  • Messaging/Communication Services
  • Real Estate Appraisers
  • Tax Return Preparation
  • Transcription/Translation/Interpreter Service
  • Travel Agencies (not conducting tours)

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• Medical Office Professionals
  • Acupuncturists
  • Chiropractors
  • Dentists
  • Massage Therapist/Acupressure/Reflexology
  • Optometrists

  • Physicians
  • Physical/Occupational Therapists
  • Podiatrists
  • Psychologists - Mental Health Counseling

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• Food Shops
  • Bakeries - Retail
  • Meat - Seafood Markets
  • Candy & Confectionery Store
  • Specialty Food Shops
  • Coffee & Tea Stores

  • Delicatessen
  • Donut Shop/Bagel Shop
  • Ice Cream/Yogurt/Juice Stores

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• Personal Services
  • Barber Shop, Beauty Salons and Day Spas
  • Cosmetic Stores

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• Contractors
  • Appliances and Accessories - Installation, Service, or Repair - Residential, Light Commercial
  • Carpet, Rug, Furniture, or Upholstery Cleaning - On Customers' Premises
  • Communication Equipment - Installation, Service or Repair - Residential, Light Commercial
  • Electrical Work - Within Buildings - Residential, Light Commercial
  • Fence Erection Contractors
  • Floor Covering Installation
  • Furniture or Fixtures - Installation, Service or Repair - Residential, Light Commercial

  • Heating or Combined Heating and Air Conditioning Systems or Equipment
  • Interior Decorator - Includes Home Staging
  • Janitorial Services - Residential, Multi-Unit Residential, Light Commercial
  • Lawn Care Services
  • Painting Contractors - Residential, Light Commercial
  • Paperhanging
  • Plumbing - Residential, Light Commercial

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• Farm/Ranch
• Apartment Owners
• Residential Community and Homeowner Associations
• Religious Organizations
• Other

Commercial Liability Umbrella

Your liability insurance policy would protect your livelihood from lawsuits arising from your business. The policy would cover you to a certain limit, but is it enough?

For businesses that need $1 million or more of liability protection, State Farm's Commercial Liability Umbrella Policy offers broad coverage at a sensible price.

It's not just your property and liability insurance needs. You may need commercial auto, workers compensation, health, life, retirement plans and professional/specialty products insurance.

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.