Farmers of Salem

Business Details

Your Trusted Partner for Insurance Solutions in Delaware

Farmers of Salem has provided real insurance solutions for real people for over 170 years, operating as a regional mutual insurance company specializing in coverage for home and business owners. Owned by policyholders rather than stockholders, the company prioritizes reinvesting profits to maintain innovation, competitiveness, and stability in the insurance marketplace. Our mission emphasizes delivering quality products through independent agents, ensuring timely and accurate service with professionalism. With a focus on sound management and client security, we demonstrate expertise through A.M.

Best Company's A- (Excellent) rating and DemoTech's A (Exceptional) recognition. Our commitment to employee development and family-oriented culture fosters a supportive environment where professionals grow alongside the organization.

Services

Homeowners Insurance Dwelling Fire Coverage Renters Insurance Personal Umbrella Policies Business Owners Insurance Commercial Auto Insurance Inland Marine Insurance Commercial Umbrella Policies Special Contractors Insurance Commercial Package Policies

Highlights and features

170+ years of experience serving Mid-Atlantic communities
Policyholder-owned structure prioritizing client interests
A.M. Best A- (Excellent) financial strength rating
Specialized coverage through independent insurance agents
Commitment to employee development and community support

Associations and certifications

A.M. Best Company
DemoTech

What people say

Best career decision Supportive management Family atmosphere Continuing education Weekly appreciation

Website

Update Listing

Services

Homeowners Insurance

Farmers of Salem's homeowners insurance protects residential properties against covered perils like fire, wind, and theft. Our policies include dwelling coverage for structural repairs, personal property protection for belongings, and liability coverage for legal expenses. We offer enhancements like service line protection and equipment breakdown coverage to address modern risks while maintaining competitive pricing and personalized service through independent agents.

Commercial Auto Insurance

Our commercial auto policies cover business-related vehicles against accidents, theft, and damage. Coverage includes liability protection for bodily injury and property damage, physical damage insurance, and optional coverages like rental reimbursement. Designed for company cars, trucks, and service vehicles, we provide tailored solutions for businesses needing protection for owned, leased, or employee-driven vehicles operating in the Mid-Atlantic region.

Business Owners Insurance

Farmers of Salem's Business Owners Policy combines property and liability protection for small to mid-sized businesses. This comprehensive solution covers buildings, equipment, inventory, and business income loss while providing liability protection for customer injuries and property damage. Available enhancements include cyber liability and employment practices liability coverage to address evolving commercial risks in today's business environment.

Personal Umbrella Insurance

Our personal umbrella policies provide additional liability coverage beyond standard homeowners or auto insurance limits. This protection extends to bodily injury, property damage, and legal defense costs, offering financial security against catastrophic claims. Designed for individuals with significant assets, these policies provide peace of mind through expanded coverage limits and comprehensive protection against major liability exposures.

Special Contractors Insurance

Farmers of Salem's Special Contractors Program offers tailored insurance for over 25 trade classifications including plumbing, electrical, and construction services. Coverage includes equipment protection, liability insurance, and project-specific aggregate limits. This specialized program addresses unique risks faced by contractors through enhanced policy features like blanket additional insured endorsements and scheduled equipment coverage across the Mid-Atlantic region.

People

Tammy Stell

Claims Service Representative

With four years at Farmers of Salem, Tammy appreciates the company's supportive culture, enjoying regular team-building activities and collaborative work environment that makes coming to work a joy.

Marianne Krug

Senior Underwriter

As a Senior Underwriter with Farmers of Salem, Marianne values the company's investment in professional development and the genuine family atmosphere that fosters both personal and organizational growth.

Jeanne Tompkins

Administrative Assistant

Jeanne highlights the collaborative environment and responsive leadership at Farmers of Salem, noting consistent support for employee goals and frequent team-building opportunities that enhance workplace satisfaction.

John Hynes

IT Project Manager

With over a decade at Farmers of Salem, John emphasizes the company's exceptional employee care, comprehensive benefits, and work-life balance that create an environment where professionals feel genuinely valued.

Melanie Taylor

Accountant

Melanie appreciates Farmers of Salem's culture of appreciation, noting frequent recognition programs and educational opportunities that contribute to a supportive work environment where new employees quickly feel at home.

Questions

What areas does Farmers of Salem serve?

Farmers of Salem provides insurance products in New Jersey, Pennsylvania, Maryland, and Delaware through independent agents.

What insurance types do you offer?

We offer homeowners, commercial auto, business owners policies, personal umbrella, and specialty insurance for contractors and specific industries.

How do I file a claim?

Report claims through our website or contact your independent agent for guidance on submitting documentation and tracking your claim.

Are you financially stable?

Yes, we maintain an A- (Excellent) rating from A.M. Best Company and have served policyholders since 1851.

How are claims handled?

Our claims team works directly with policyholders through independent agents to ensure timely, accurate resolution of all claims.

What makes you different?

As a policyholder-owned mutual company, we reinvest profits to improve services and maintain competitive pricing through independent agents.

Reviews (7)

Write a Review

Orin Moore

Jan 12, 2022 Report

Insurance policy was fair however they require certain upgrades done to the property with a deadline after the policy I already in place.

Microproducer

Feb 17, 2021 Report

The biggest problem w/this company is that you cannot speak to anyone at Farmers of Salem office about your policy; they are not allowed to discuss your policy, there is no portal, and they cannot provide you with documents in electronic format. You are at the mercy of the underwriter. Sorry to say that my experience w/John Wilkens agency has been unsatisfactory. I spoke to 2 agents at John Wilkens, both who had misinterpreted what my coverage actually is for my HOA policy; according to the Farmers corporate agent, who was reluctant to confirm that my coverage was 125% less than what John Wilkens agency claimed it was.

Jennifer Necelis

May 29, 2020 Report

I would highly recommend this insurance company. I had a flood in my house and Farmer's responded immediately and took all actions to complete my claim within days. I was very happy with the communication and service they provided.

Shannon Jacobs

Mar 17, 2020 Report

I filed a wind damage claim the beginning of April because we have missing shingles and missing siding. This has yet to be resolved. Should be a very easy claim but this company is just trying to get out of paying a legitimate claim. I would run as far as you can from them. I at least can live in my home. I don't want to imagine how they would deal with a house fire. their communication is piss poor at best.

I don't recommend them at all and suggest you look for other companies if you actually want coverage when you have an issue. This company just wants to collect your premiums annually, without offer anything in return.

Lisa Handt Fagan

Nov 17, 2019 Report

They don't show up, don't settle, don't pay and then stage fake photos of trees hanging over your house that don't hang over your house, and THEN threaten to drop your insurance in 30 days (but mail it 20 days out) if you don't cut trees down that aren't even yours. My children and I lived 14 months under a tarp due to this company.

Cricker Mom

Jan 18, 2018 Report

I have only ever dealt with my agent and billing concerning my policy. Over the course of my first year with farmers, I had a number of questions concerning coverage and made several changes. Every phone call and question was answered with " If I can help with anything else please let me know" This is why I love a Mutual company with CUSTOMER driven goals!

Kristy Andy Revell

Dec 31, 2017 Report

This company is amazing! I put them right up there among the big brand companies, like Farmers. Their service is great, I've never seen any complication with the claims department. Their underwriters are helpful, considerate, and really know what they're talking about. The policy premiums are reasonable, and the coverage is outstanding! I'd give them more stars if I could.