Farmers General Insurance Agency Inc
Oriskany, New York
Products Offered
Business Insurance
Why Choose a Travelers Independent Insurance Agent?
An independent insurance agent serves as your advocate focused on protecting what’s important to you, and Travelers chooses to work with the most talented and trusted professionals in the business.
You can expect thoughtful attention from an experienced agent who will evaluate your unique circumstances, answer your questions, support you throughout your journey and recommend the right mix of coverages to help protect all the things that are important to you and your family. You get a trusted insurance advisor and champion for your needs when you choose a Travelers independent agent.
You can expect thoughtful attention from an experienced agent who will evaluate your unique circumstances, answer your questions, support you throughout your journey and recommend the right mix of coverages to help protect all the things that are important to you and your family. You get a trusted insurance advisor and champion for your needs when you choose a Travelers independent agent.
SPEAKER: Choice. It's something we take for granted. The ability to determine what's best for us-- our needs, our life, our choice. In fact, choice is something we as Americans can't even imagine doing without. And yet when it comes to something as important as protecting ourselves, our property, our family, some people surrender choice without even knowing it. Because they don't choose an independent insurance agent. You see, some insurance agents work for only one company, so they can't offer you a choice of brands and policies. But independent agents aren't held captive by one company. They're free to tailor solutions to fit you, your needs, your life, to help you make the choices that are right for you. If you ever need to file a claim, your independent agent can help you through the process. And as life changes, you can even count on your independent agent to help you update your choices. Those are just a few of the reasons choosing an independent insurance agent is such a good choice. See the difference for yourself.
Featured Products
![Injured man covered by Workers Compensation at gym]()
Workers Compensation
Workers CompensationWith more than 100 years of experience, we have built a broad range of innovative services, all delivered locally in your community.![Woman on laptop looking for small business owner insurance]()
Small Business Owner's Policy
Small Business Owner's PolicyProtects your business from property and (general) liability risks with a bundled, affordable solution that meets the general needs of your small business.![Group of work colleagues standing and reviewing paperwork]()
Management & Professional Liability
Management & Professional LiabilityPolicies that fit your unique responsibilities and exposures - whether you're a private, public, nonprofit or a financial institution.![Co-workers discussing general liability insurance]()
General Liability
General LiabilityTravelers offers a wide range of general liability options to help protect your business.![Co-workers discussing surety bonds]()
Surety Bonds
Surety BondsTravelers can help both individuals and businesses - ranging from small to multi-national companies - with their surety bond needs.
Frequently Asked Questions
Starting your own business means taking on some degree of risk. As a business owner, you already have the passion and drive to take on new challenges, but you'll also need to protect the value of the assets you purchase for your company. Insurance can help you recover when things go wrong. From property losses related to items such as fire or theft, to liability issues should someone sue – or threaten to. With the proper policies in place, you'll gain peace of mind and feel more comfortable in your new role as an entrepreneur.
Businesses often need to carry more than one type of insurance, and your business' insurance needs may be highly individualized. A knowledgeable agent can help you find the right solutions. For some states, carrying insurance is a requirement. Requirements may also vary by the type of business you own and the number of employees; however, worker's compensation is required by law in most states, and highly recommended if not.
The cost of insurance is based on a range of factors including the following:
·The value of the company assets you wish to insure.
·Number of employees.
·Specific risks associated with your industry.
·Your personal risk tolerance and the amount of liability protection you prefer.
·The value of the company assets you wish to insure.
·Number of employees.
·Specific risks associated with your industry.
·Your personal risk tolerance and the amount of liability protection you prefer.
There are several things you can do to keep insurance expenses in check. Performing an annual risk assessment and identifying actions you can take to lower your insurance costs is the first step. Also, your agent can be a great resource to review your existing policies and deductibles, to make sure your coverage and limits are right-sized for your business. Lastly, if you purchase more than one insurance policy from the same agent, don't forget to ask if you qualify for a multi-policy discount.
At the most basic level, insurance helps you manage the risk of loss for your business. You don't want to experience a loss that would have been covered if you'd had the right policy in place. Spend time assessing your operational risks to determine your greatest risk factors. A knowledgeable insurance professional can also review your policies in order to look for gaps in coverage.
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Farmers General Insurance Agency Inc
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Farmers General Insurance Agency Inc