Lori Richard State Farm Insurance

Redondo Beach,  CA 
United States
http://www.loririchard.com
  • Booth: H 614


You, focus on the business. We’ll focus on the risks.

You want the best for your customers and we want the best for you.

State Farm® agents are also business owners who understand your business is a big part of your life.

Being here to help life go right® means first taking the time to truly understand how your business runs, then helping you put together the right type and amount of coverage.

After that, a State Farm agent will be here to answer questions, address concerns and help solve problems — just like you do for your customers.

Our Business Owners Policy or Workers Compensation can help you through a variety of situations.

Here are some ways how:

  1. A customer brings a lawsuit against you.
  2. Your business has to shut down depriving you of income.
  3. Your office is damaged by fire or vandalism.
  4. Employee Injury
  5. Your business documents or records are lost or destroyed from a covered cause of loss.

It’s a good idea to be prepared for situations like these and State Farm can help you prepare like no one else.

Brands: State Farm and State Farm Specialty Products


 Products

  • Workers Compensation Policy
    The State Farm Workers Compensation Policy helps you protect both your business and one of its most valuable assets: your employees....

  • You do everything you can to keep your employees safe on the job. Still, an accident can happen when you least expect it. Just one injury can cause an employee to be out of work for months.

    Fortunately, there’s a way to protect your business and your employees from financial losses arising from a work-related injury. Consider purchasing a State Farm® Workers Compensation Policy.

    Here’s how it works

    The State Farm Workers Compensation Policy provides wage loss benefits and covers the cost of required medical services arising from an employment-related injury. Medical treatment is covered to the extent required by the state’s workers compensation system, which in certain jurisdictions could be lifetime benefits. Generally, the only requirement is the treatment be reasonable and appropriate to the work-related injury. Specific provisions of the jurisdictions apply.

    Basic policy facts

    Coverage for the employer

    The Workers Compensation Policy is purchased by the employer but provides benefits to employees who have sustained a work-related injury. These benefits help cover medical costs, lost wages, and other services needed to help an injured employee recover and return to work. Some of the policy benefits provided to employees who suffer a work-related injury include:

    1. Medical treatment
    2. Temporary disability benefits
    3. Permanent disability benefits
    4. Death/Survivor benefits

    Employer’s Liability coverage1

    The Workers Compensation Policy protects employers if they are found civilly liable for employee injuries that arise out of and in the course of employment. Employer’s liability coverage helps protect your business against common-law claims such as:

    1. Consequential bodily injury to a family member of the injured employee.
    2. Care and loss of services.
    3. Certain types of third-party claims.

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