Protect the business you’ve worked hard to build with our Commercial Lines of Insurance. From General Liability and Business Owners Policies (BOP) to specialized coverages like Professional Liability, Commercial Auto, and Workers Compensation, we provide protection for every part of your operation. We also offer advanced solutions for industries with unique risks, including Directors & Officers, Employment Practices, and Product Liability coverage. Whether you’re running a small business or managing a large operation, our goal is simple—to keep your business, employees, and reputation protected so you can focus on growth.
Commercial & Business Insurance
From small businesses to large enterprises, our commercial insurance solutions provide confidence, stability, and protection—helping you manage risk and keep your business running strong.
Protecting Your Business, Every Step of the Way
At Pacific Farm & Ranch Insurance Agency, we understand that your business is more than just work—it’s your livelihood, your passion, and your legacy. Our business insurance solutions help protect against the unexpected so you can focus on growth and success.
See What’s Covered
General & Business Coverage
- Commercial General Liability: Protects against bodily injury, property damage, and lawsuits. Extensions include advertising injury and product liability.
- Business Owners Policy (BOP): Combines property, liability, and business interruption coverage. Extras include cyber liability and equipment breakdown.
- Commercial Umbrella: Extra liability beyond base policy limits for large or catastrophic claims.
Professional & Leadership Protection
- Professional Liability (Errors & Omissions): Covers negligence or mistakes in your professional services.
- Directors & Officers (D&O) Liability: Protects leadership from claims of mismanagement or negligence.
- Contractors Professional Liability: Covers design errors, omissions, and trade-specific risks.
Employee & Workplace Coverage
- Workers Compensation: Covers medical expenses and lost wages for injured employees.
- Employment Practices Liability (EPLI): Protects against wrongful termination, harassment, and discrimination claims.
- Employer Benefits Liability: Safeguards errors in administering employee benefit plans.
Vehicle & Fleet Protection
- Commercial Auto: Covers company vehicles, liability, and physical damage. Includes hired/non-owned auto and roadside assistance.
Product & Food Coverage
- Product Liability: Protects against injury or damage from products you make or sell.
- Food Spoilage & Contamination: Covers losses from equipment failure, contamination, or foodborne illness.
Specialty & Additional Protections
Coverage can be customized for specific industries, worldwide operations, pollution risks, brand rehabilitation, and more.
Umbrella Policies
Personal & Commercial | Bundle and Save
Our Umbrella Insurance offers extra liability protection by bundling coverage across home, auto, renters, landlord, jewelry, classic or exotic cars, and more. It fills gaps, simplifies policies, and can help save money while keeping your assets fully protected from major claims or unexpected events.