Coverage That Goes Beyond Four Walls
Commercial Property Protection That Works for You
We’ll help you insure what matters—from buildings and inventory to tools and technology—whether you own the property or lease it.
Standard policies typically include:
- Building coverage for owned commercial structures
- Business personal property (equipment, inventory, furniture)
- Protection for fire, theft, vandalism, wind, and water damage
- Loss of income coverage if property damage shuts down operations
- Optional coverage for signage, outdoor fixtures & glass
What You Can Expect from W.J. Farmer
Clear Coverage That Reflects What You Own
Every policy starts with a walkthrough of what you actually have on-site—so we can help you cover it properly and completely.
You’ll get:
- Policies tailored to your building type & industry
- Options for replacement cost or actual cash value
- Fast help for property claims or appraisals
- Protection for tenants, landlords, or owner-occupied buildings
- Local service when you need documents, updates, or reviews
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Don’t Overlook What’s Outside the Building
Smart Add-Ons for Broader Protection
Your policy can be expanded to protect items that aren’t always stored indoors—or that travel offsite. We’ll help you choose what’s necessary.