State Farm Insurance is America’s largest property/casualty insurer with extensive commercial insurance offerings including business owners policy (BOP), commercial auto insurance, workers compensation, general liability, umbrella coverage, property insurance, and specialty programs for contractors, restaurants, retail stores, trucking, farms, and professional services through 19,000+ local agents nationwide.
This central State Farm hub stores all State Farm commercial insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Access State Farm business insurance cost, State Farm commercial auto rates, State Farm BOP pricing, State Farm workers comp insurance, State Farm general liability, and local agent support details.
State Farm Commercial Insurance Coverage Portfolio
State Farm Business Owners Policy (BOP)
State Farm BOP insurance bundles general liability + commercial property + business income interruption for small to mid-size businesses with strong local agent support.
Standard BOP Coverage:
- General liability: $1M per occurrence/$3M aggregate
- Property: Building/contents replacement cost
- Business income: 12 months + extra expense
- Hired/non-owned auto liability
BOP Eligibility & Rates (2026):
| Annual Revenue | Business Type | Monthly Premium |
|---|---|---|
| $250K | Retail Store | $55-$115 |
| $500K | Office/Professional | $75-$155 |
| $1M | Restaurant (limited service) | $115-$245 |
| $2M | Contractor Office | $165-$355 |
State Farm Commercial Auto Insurance
State Farm commercial auto insurance covers business vehicles, contractor fleets, delivery vans, box trucks, and farm autos with bundling discounts when combined with BOP or personal policies.
Commercial Auto Options:
- Liability limits up to $1M
- Physical damage (collision/comprehensive)
- Hired & non-owned auto
- Cargo coverage available
Auto Rate Examples:
| Vehicle Type | Business Use | Annual Premium |
|---|---|---|
| Pickup Truck | Contractor | $2,200-$4,800 |
| Cargo Van | Delivery | $3,000-$6,500 |
| Box Truck | Local Freight | $4,800-$10,500 |
| Fleet Discount (5+ vehicles) | 15-25% savings |
State Farm Workers Compensation Insurance
State Farm workers comp insurance provides coverage through assigned risk pools and voluntary markets with local agent claims assistance and safety consultation services.
Workers Comp Features:
- State-specific compliance
- Medical & indemnity benefits
- Employer liability $100K/$500K/$500K
- Return-to-work programs
WC Cost by Payroll:
| Annual Payroll | Industry Classification | Monthly Premium |
|---|---|---|
| $100K | Retail/Clerical | $300-$700 |
| $250K | Light Contractors | $850-$2,100 |
| $500K | Restaurants | $1,650-$4,000 |
| $1M | General Contracting | $3,500-$8,500 |
State Farm General Liability Insurance
State Farm general liability insurance protects against third-party claims for bodily injury, property damage, and advertising injury, often bundled within BOP packages.
GL Coverage Limits:
- $1M per occurrence standard
- Personal injury/advertising injury
- Products/completed operations
- Contractual liability coverage
Industry GL Rates:
| NAICS Code | Business Type | Monthly Rate ($1M Limit) |
|---|---|---|
| 541618 | Other Management Consulting | $35-$85 |
| 236210 | Industrial Building Construction | $95-$225 |
| 722511 | Limited-Service Restaurants | $75-$175 |
| 811198 | All Other Automotive Repair | $65-$155 |
State Farm Commercial Property Insurance
State Farm commercial property insurance covers business buildings, equipment, inventory, and improvements with replacement cost valuation and ordinance/law coverage.
Property Program:
- Building replacement cost
- Business personal property
- Business income interruption (12 months)
- Debris removal/extra expense
Rate Examples:
| Property Value | Occupancy | Annual Premium |
|---|---|---|
| $500K | Retail Store | $3,000-$6,500 |
| $1M | Office Building | $4,500-$9,500 |
| $2.5M | Restaurant | $9,000-$19,500 |
| $5M | Contractor Shop | $15,000-$32,500 |
State Farm Umbrella Liability Insurance
State Farm commercial umbrella insurance provides excess liability protection above primary policies with $1M-$10M limits.
Umbrella Features:
- Follows primary policy terms
- Worldwide coverage territory
- Drop-down coverage available
- Defense outside limits
State Farm Insurance by Industry & Business Type
Contractors & Construction
- Contractors insurance near me State Farm agents
- General contractor business insurance packages
- Home improvement contractor insurance coverage
- Roofing business insurance State Farm options
Restaurants & Hospitality
- State Farm restaurant insurance comprehensive
- Liquor liability insurance cost State Farm
- Catering business insurance event coverage
- Banquet hall insurance property/liability
Retail & Grocery
- Retail business insurance State Farm packages
- Grocery store insurance comprehensive coverage
- Convenience store insurance liability/property
- Supermarket business interruption insurance
Automotive & Repair
- Auto repair shop insurance State Farm coverage
- Auto body shop insurance physical damage
- Mechanic shop insurance garage keepers liability
- Tow truck insurance companies State Farm programs
Agriculture & Farm
- Farm bureau life insurance alternatives State Farm
- Farm equipment insurance comprehensive coverage
- Dairy farm insurance livestock/property
- Crop insurance farm revenue protection
State Farm Complete Articles & Guides Hub
Central repository for State Farm commercial insurance content and local agent support:
Published State Farm Guides:
• State Farm Business Owners Policy (BOP) 2026: Complete Small Business Coverage Guide
• State Farm Commercial Auto Insurance: Contractor Vehicles & Delivery Vans
• State Farm Workers Compensation vs Progressive: Cost & Coverage Comparison
• State Farm General Contractor Insurance: Local Agent Packages
Coming Soon:
• State Farm Restaurant Insurance: Property + Liquor Liability 2026
• State Farm Auto Repair Shop Insurance Complete Guide
• State Farm Retail Store BOP vs Nationwide Comparison
• State Farm Farm & Agriculture Business Insurance Options
State Farm Premium Comparison Chart
Annual Costs for Contractor Businesses (2026):
| Coverage | State Farm | Progressive | Nationwide | Liberty Mutual |
|---|---|---|---|---|
| Workers Comp ($250K payroll) | $4,000 | $3,800 | $3,500 | $4,500 |
| BOP ($500K revenue) | $2,100 | N/A | $1,800 | $2,400 |
| Commercial Auto (Pickup) | $3,200 | $2,800 | $2,800 | $3,800 |
| GL Stand-alone ($1M) | $1,800 | $1,650 | $1,650 | $2,100 |
| Umbrella ($2M) | $6,500 | $7,200 | N/A | $8,500 |
State Farm Agent Network & Financial Strength
Distribution Advantages:
• 19,000+ local agents nationwide
• Personal relationship focus
• Multi-line bundling expertise
• Claims handled locally
• Policy customization flexibility
Financial Ratings:
• AM Best: A++ (Superior)
• #2 P/C insurer by premiums
• 2025 Direct Written Premiums: $92B+
• Consistent dividend payments
Frequently Asked Questions
What is State Farm business insurance cost for small businesses?
BOP packages start around $55-$355 monthly depending on revenue and business type, with significant bundling discounts through local agents.
Does State Farm offer commercial auto insurance?
Yes, extensive coverage for contractor pickups, delivery vans, box trucks, and small fleets with bundling options and local agent support.
Can State Farm provide workers compensation insurance?
Yes through voluntary markets and assigned risk pools with local claims handling and safety consultation services available.
What types of businesses does State Farm insure commercially?
Contractors, restaurants, retail stores, auto repair shops, farms, and professional offices with strong local agent relationships.
How much is State Farm general liability insurance?
$35-$225 monthly for $1M limits depending on industry classification, often more affordable when bundled in BOP packages.
Does State Farm have restaurant insurance programs?
Yes, property, general liability, liquor liability, and workers comp for both full-service and limited-service restaurants.
What makes State Farm different for commercial insurance?
Unmatched local agent network (19,000+), personal service, multi-line bundling expertise, and strong financial stability (A++ rated).
Can contractors get State Farm insurance locally?
Yes, contractors insurance near me through State Farm local agents offering workers comp, commercial auto, BOP, and umbrella packages.
Does State Farm offer farm business insurance?
Yes, farm property, liability, equipment, and commercial auto coverage competing with Nationwide and Farm Bureau programs.
Obtaining State Farm Commercial Coverage
Local Agent Process:
- Find Local Agent – Use State Farm agent locator by ZIP code
- Business Consultation – Discuss operations, risks, revenue with agent
- Multi-Line Quote – Bundle BOP + commercial auto + workers comp
- Customization – Agent tailors coverage and applies discounts
- Local Claims Support – 19,000 agents handle claims personally
Best For: Businesses wanting personal agent relationships and multi-line bundling.
State Farm Insurance Complete Hub – Updated January 2026. Local agent network resource for BOP, commercial auto, workers comp coverage for USA contractors, restaurants, retail, farms. Premiums based on agent-quoted market rates.