Commercial Insurance

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 Making it Our Business to Protect Yours.


Property and Casualty

Farmers Heritage will ensure that your company is protected against peril, which is crucial to the safety and security of your business.  Protect your valuable assets with property coverage, such as:

  • Premises and Operations
  • Fire Damage
  • Personal and Advertising Injury
  • Products and Completed Operations
  • Medical Payments



Protect your business!  Bodily Injury, Property Damage, Negligence, Liable and Slander are just a few of the reasons liability coverage from Farmers Heritage makes sense.



From one car or truck to an entire fleet, Farmers Heritage offers the right coverage to meet your individual business needs.

  • Property/Liability
  • Uninsured/Underinsured Motorist
  • Comprehensive/Collision


Workers Compensation

Workers Compensation insurance provides wage replacement, medical treatment and permanent disability compensation to employees who suffer job-related injuries or illnesses, and death benefits to dependents of workers who have died as a result of their employment.  an injured employee will receive benefits regardless of who was at fault.  In exchange for these benefits, the employee may not bring civil action against the employer for pain and suffering, or any other damages.  The only exception would be in cases of intentional acts.  The following are benefits to employees:

  • Temporary Total Benefits
  • Medical Benefits
  • Permanent Total Benefits
  • Permanent Partial Benefits



Surety Bonds are those that do not clearly fall within the scope of Fiduciary, Public Official, Court or Permit and License Bonds.  Some of these bonds are required by law and must be conditioned as provided by statute, regulation or ordinance.  Others are required by law having conditions discretionary with approving authorities.  Others could be bonds or undertakings between private parties and are used to facilitate business transactions with conditions prescribed by or acceptable to the obligee.