State Farm Business Insurance

I have been a long time customer. After the roof blew off my commercial building full of antiques, the State Farm adjustor never came and inspected it and waited 40 days to give me an estimate and a check. In the meantime we got a snow storm and lots of water damage. State Farm denied they were responsible for some of the damage, hired a bogus "independent" engineer and lied to the state insurance commissioner. 13 months later I can't fix my building or open. I would never recommend State Farm again. You just as well go with any old online company because State Farm won't treat you right.

I have been with State Farm for many years and have been in business on my own for over 25. In my experience, whenever an insurance company uses Lowry and Associates to do their audits, I owe money. When State Farm did not use Lowry and Associates I broke even or owed a little. This last audit performed by Lowry and Associates showed I owed over $1,500. I paid overtime during Covid to keep my employees and by law, it was not suppose to be considered a part of the audited payroll under special circumstances.

I’d purchased a policy from ** Levi over in N. Canton last year. I have multiple commercial business and rental properties. I paid for the full amount of the policy for the year for both my business and rental properties. I experienced a break in at one of my business and around $5000 of items were stolen, window was busted etc. Filed a claim with State Farm and was treated as if I’d broken the law. Sent receipts, police report and other info, once they got that they needed more paperwork and different receipts? Assigned my claim to an investigator that was very rude and pushy. He also needed me to send the same paperwork and receipts I’d already sent twice (as if my adjuster couldn’t send it to him). It was a nightmare.

My family had a medium sized Auto repair business for over 40 years, with State Farm as our insurance. In 1983, we had a fire, the lowest quotation for the damages was 260,000 dollars. 5 months later a State Farm adjuster showed up with a check for 24,000 dollars. My dad said WTF!!! He said sue us!!! I know 2 businesses right now that are going thru the same thing right now. Do not trust State Farm!! Pure Scum!!!

Last month, December 2018, I had a breaking in and 3 animals braked in causing a damage of around $2300 and stole $5,300 worth of electronics (cell phones, headphones, and one of my cash register.) Although I had a security system in place and the police officer wrote the report based on objective evidence, State Farm Claim Department refused to fulfill its obligation for this legit claim. They only sent me a check of $388.93, claiming that I failed to also install an alarm system. Imagine how much we are paying those criminals, those insurance mafioso in high premium... and how they always get away with murders because they are sustained by our corrupt government officials. What a shame!

I have a small business with 50 independent contractors and 7 employees. I gave the State Farm agent all my information correctly including a contract stating my independent contractors were responsible for their own insurance wages and jobs tasks that all my employees would be doing and State Farm gave me a fair price for my Workers Compensation Policy. After 2 months State Farm decided that my business wasn't one they wanted to insure, they told me that they weren't going to insure my business anymore. State Farm also sent me 2 time consuming audits that I completed and they said I owed $7,500.00 for their 2 months of insurance after I already paid $700 per month. After they sent me cancellation notices of course I had to find another insurance company, which I did for less money per month and I have been through 2 audits and no problems.

I had business General Liability Insurance with this State Farm. We choose them because they gave us the lowest quote. Annually they did a payroll audit. After the audit they increased our premium 3 times its original premium quote. They automatically pulled the increased amount from our account. We contested the amount and we never given the detail on why they increased it or any details on the audit. We contacted the agent and then they did something on their end and the premium was decreased for the next year. Then once again we had an annual audit and it was increased by 3 times the original premium amount again. We challenge the amount with the agent and audit and still were not given details. They just stated that it was because the payroll was higher.

Had a policy with for my business for a year. Decided not to renew it because it was a bit overpriced. Spoke to several people, in fact they called me constantly, and told all that I wouldn't be renewing. I was still charged for a month and it went into collections. Not a big deal. Wasn't much money, but it was the first, and last, time I will do business with State Farm.

I held a compliance bond through State Farm for more than 10 years. I needed a financial bond, which was required for me to get a state license for my small construction business, and was turned down, out of hand, for not meeting their financial requirements (barely). Be aware that your loyalty to State Farm means ABSOLUTELY NOTHING to them. I will no longer do business through State Farm and will find a more customer oriented insurance company.

Lack of COMMUNICATION & unprofessionalism. After over 10 years with a local agent whom had our personal home insurance, all personal vehicles, our New Building Insurance, Workman's Comp., and all of our vehicles for our business, it was assumed by our agent that we would know our increases, know when an audit was happening, know that the business owners were not exempt on our Workman's Comp. policy, and know that the most unprofessional emails would be sent when cancelling a policy due to his unprofessionalism and arrogance that he portrayed. We have immediately found another very professional and courteous agent to take care of all of our policies, over 10 of them. I have never nor will ever deal with State Farm Ins. again.