Mark Rafail

Protect your business with Farmers coverage for your building, equipment, inventory, and operating income. Let’s have a conversation about it today. Did you know your landlord will not cover your buildout or "tenant improvements" like the custom floors, kitchen, walls, etc?

You might face legal action from customer injuries, data breaches, product defects and more. Liability insurance can help you protect your business. Another question is knowing that "General Liability" doesn't cover everything. Cyber Liability can defend your business if hacked, Employee Practices Liability (EPL) covers if sued for wrongful termination or discrimination. During these trying times of Covid-19 an employee may sue when your business makes changes or reductions.

Are you concerned about injuries, OSHA regulations, and workers’ compensation fraud? Let’s discuss how Farmers can help you protect your employees and business. Your employees work 20-40 hours a week and have a greater risk of getting injured rather than a customer. A Texas Judge (not a jury) makes the decision oh how much a business is liable for if an employee is injured, losses a limb or God forbid someone passes, it can cost millions and you can sadly go out of business. Work Comp is something we are passionate about whether you are a clerical/Doctors Office or an HVAC or Plumbing Company. We can help.

Does your business have enough liability coverage for injuries to customers, auto accidents, and lawsuits? Let’s talk about umbrella insurance. Your Umbrella is your lawyer for the "big stuff". If your employee runs a red light and causes a casualty or you get in a class-action lawsuit, your basic General Liability can get exhausted. An Umbrella can provide an additional $1,000,000 to $50,000,000 in coverage depending on the size of your organization.

You may have challenges like debts, interruptions, and buying-outs for heirs if your business loses a key person. Learn how Farmers life coverage can help. It is much cheaper to have a policy in force before something happens rather than after. Your partner's family can be your partner if you do not have money in the bank to buy out your partners (Buy-Sell Agreement Insurance). Do you have a "Key Employee" you depend on that would ruin you financially if they were to pass? Key Man Insurance is your answer. Did you know you can set up your policies as a retirement plan with a death benefit or keep it basic? Make sure you leave a legacy behind, not a mess.