Commercial Lines

Kraft Lake offers policies for unique Commercial lines risks. Often a Kraft Lake policy will complement a Farmers Business policy, allowing the customer to plan for their risks while working with a Farmers agent right in their community.

Some of the products available through Kraft Lake are:

Builders Risk – Offers coverage for unique risks that are under construction.

Commercial Umbrella – Provides an extra layer of liability protection for assets and future earnings.

Dealer Open Lot – Offers coverage for physical damage to mobile homes, RVs and some other types of trailers that are up for sale.

Employment Practices Liability – Helps protect employers from claims made by workers who have sued the company for violating their legal rights as employees.

Storage Tank Liability – Designed to protect business owners from third party claims for damage caused by pollution conditions arising from the insured’s covered operations for scheduled storage tank systems. This coverage can be used to meet U.S. EPA Financial Responsibility requirements.

Farm & Ranch - Offers coverage for a wide variety of agriculture-related products, such as:

Crop Farms Dairy Farms Vegetable Farms Fruit & Nut Farms

Hobby Farms Equine Cattle Operations Hay Operations

Management Liability (Directors & Officers) – Protects against negligent acts, omissions or misleading statements committed by directors and officers of a company that result in lawsuits being filed against the company.

Medical Professional Liability – Provides customized coverage to meet the diverse needs of medical professionals.

Professional Liability (Errors & Omissions) – Helps protect professionals against damages arising from the rendering or failure to render professional services. This includes misstatements or misleading statements, negligent acts, errors and omissions or mistakes. Kraft Lake offers solutions for:

Architects and Engineers Technology – software companies, systems integrators, technology consulting, etc. Accountants Realtors Management Consultants

Staffing Agencies Research Organizations Outsourcing Companies Security Consultants …and many more!

Specialty Commercial Products – packaged insurance solutions for niche businesses.

Adoption Agencies Ambulance Companies Boat Dealers and Marinas Camp Operators Campgrounds/RV Parks Commercial Storage Tank Convenience Stores/Gas Stations Country Clubs Environmental Consultants Fairs Fuel Haulers and Marketers Golf Clubs Guides & Outfitters Health & Fitness Clubs Head Start Programs Hospice Hospital & Medical Facility (Excl. GL) Institutional Lawyers’ Professional Liability (Coming Soon) Local/Intermediate Trucking Medical Labs Medical Transportation

Mental Health Organizations Motor Sports Municipalities Nursing Homes (Excl. GL) Performing Arts Pest Control Pilot Car Professional Sports Public Entities Roofing Contractors (Coming Soon) School Bus Schools Shopping Centers Social Service Special Events Sports & Recreation Staffing Services (Coming Soon) Substance Abuse/Rehab Facilities Tanning Salons Travel Agent Professional Liability (Coming Soon) Travel Plazas Vacant Properties Volunteer Fire Departments

Surety Bond – Offers a full range of contract, commercial and fidelity bonds.

Vacant Commercial – Covers buildings that are vacant or partially occupied, up to $3 million per building.

Availability may be subject to restrictions in certain areas.

Contact your local Farmers Agent to learn more about our programs and product offerings!