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Your Trusted Insurance Partner in San Antonio
Farmer Brown has been a trusted provider of comprehensive insurance solutions for over 26 years. Founded by John M. Brown, our agency specializes in delivering personalized insurance policies tailored to meet the unique needs of businesses and individuals across the United States. We partner with top-rated providers like Nationwide, Zurich, and The Hartford to offer competitive rates and customized coverage options.Our team of licensed professionals prioritizes transparency, ensuring clients receive clear, detailed guidance throughout the insurance process. With bilingual support in English and Spanish, we pride ourselves on exceptional customer service, reflected in our 90% policy renewal rate. Our commitment to informed decision-making empowers clients to confidently protect their personal and business assets.
Services
Commercial Auto Insurance
Workers' Compensation
Surety Bonds
General Liability
Restaurant Insurance
Retail Insurance
Food Truck Insurance
Builders Risk
Umbrella Insurance
Vacant Property Insurance
Highlights and features
- 26 years of experience tailoring insurance solutions for businesses and individuals
- Personalized quotes from multiple top-rated insurance providers
- Bilingual support in English and Spanish for clear communication
- 90% annual policy renewal rate from satisfied customers
- Direct collaboration with A-rated insurance providers nationwide
What people say
26 years experience
90% renewal rate
Bilingual support
Transparent information
Expert guidance
Services
Commercial Auto Insurance
Commercial Auto Insurance protects business vehicles and operations requiring specialized coverage beyond personal auto policies. We provide tailored solutions for cars, trucks, food trucks, and commercial fleets with liability, collision, and comprehensive coverage options. Our experts help businesses understand combined coverage requirements for vehicles used in income-generating activities while explaining cost factors like vehicle type, driving records, and business location.
Workers' Compensation
Workers' Compensation Insurance covers medical expenses and lost wages for work-related injuries while protecting businesses from litigation risks. We offer policies meeting state requirements across all industries, including specialized solutions for contractors and businesses needing 'Ghost Policies' for subcontractor compliance. Our team explains state-specific regulations, premium calculation factors, and safety program benefits that reduce long-term costs through improved experience modifications.
Surety Bonds
Surety Bonds guarantee business obligations to clients and regulatory bodies through four primary categories: License & Permit, Bid, Payment, and Performance Bonds. We assist contractors with bonding capacity improvements through financial documentation preparation and direct underwriter access. Our specialists explain bond claim differences from insurance claims while providing fast turnaround times for construction industry requirements.
Restaurant Insurance
Restaurant Insurance combines commercial auto and business liability coverage for mobile and fixed food service operations. We address unique risks through equipment protection, liability coverage for foodborne illnesses, and business interruption safeguards. Our agents explain specialized policy components required for food trucks, brick-and-mortar restaurants, and catering businesses while helping clients navigate state-specific liquor liability requirements.
General Liability
General Liability Insurance protects against third-party claims for bodily injury, property damage, and advertising injuries. We provide customized policies covering legal defense costs and settlement payments up to policy limits. Our team explains coverage specifics for different business types while helping clients understand how liability limits protect company assets from litigation risks.
People
John M. Brown
Founder and CEO
John M. Brown has provided insurance solutions for over 26 years, specializing in commercial and personal policies tailored to business needs. He emphasizes transparent communication and personalized service while maintaining partnerships with top-rated insurance providers nationwide.
Questions
What types of insurance do you specialize in?
We specialize in commercial auto, workers' compensation, surety bonds, general liability, restaurant insurance, and retail business coverage across all 50 states.
Do I need commercial insurance for a food truck?
Yes, food trucks require specialized coverage combining commercial auto insurance for the vehicle and restaurant business insurance for operations and equipment.
What is a Ghost Policy for contractors?
A Ghost Policy provides workers' compensation coverage for businesses without employees, meeting general contractor requirements while protecting against payroll audit liabilities.
How are insurance premiums calculated?
Premiums depend on business type, location, revenue, employee count, driving records, and claims history with state-specific factors affecting final costs.
Do you offer bilingual services?
Yes, we provide insurance consultations and policy explanations in both English and Spanish through our customer service team.
What payment methods do you accept?
We accept major credit cards and electronic payments for insurance premiums with flexible payment options available for qualifying businesses.
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Reviews (6)
Oscar Lopez
May 31, 2022
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Easiest insurance agency to work with! The agents are all professional, knowledgeable and with a quick turnaround with quotes and certificates. I would highly recommend Farmer Brown to anyone that needs liability insurance.
David Shively
May 31, 2022
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Farmer Brown is a pleasure to work with. Always prompt, professional and excellent value. ALL my insurance needs taken care of!
David Joseph
May 30, 2022
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Great company very reliable and easy to work with. I would recommend to anyone looking for insurance coverage.
Debbie Barr
Dec 21, 2021
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I needed builders risk insurance, didn't know anything about it. I emailed and called several places. Jim at Farmer Brown is the only person who called me back. He was very nice, helpful and walked me thru the whole process. Jim was very courteous and professional and he kept in touch but he was not pushy at all. My experience with this company was great and I thank Jim Kocchiu for his great customer service. I'm very pleased.
Andrea Valentine
Mar 06, 2021
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We had a great experience working with Renzo, he made sure to find the best rate for our business. He made the process very easy, answered all of our questions, he made sure to follow up, explained everything in detail and gave us the best rate in the market. We had gotten quotes from local agents but they could not match the rate and service provided by Renzo. We will definitely reach out to him for any other policies we may need in the future.
Chris Mills
Feb 07, 2021
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They are the worst. Although we are all happy to get quick service from Farmer Brown Insurance, it's the insurance coverage we really want. The policy they provided me did not cover the claim made on my project, although the coverage I needed was made very clear to the adjuster. Nothing about the policy they provided me was of any value. DO NOT trust this company with your business. They are only interested in pumping out fast quotes.
They are not attempting to understand the needs of your company. They are not attempting to help protect your business. Keep looking until you find a insurance broker/company who cares about what they do, and will carefully provide insurance that protects you business.
They are not attempting to understand the needs of your company. They are not attempting to help protect your business. Keep looking until you find a insurance broker/company who cares about what they do, and will carefully provide insurance that protects you business.
