W.J. Farmer Insurance Agency, LLC

Running a business means juggling countless responsibilities, and protecting your team and assets is one of the biggest ones. That’s why our team often recommends looking into commercial umbrella insurance — it’s an extra layer of coverage that can make a real difference when the unexpected happens.

Swipe to see how commercial umbrella coverage works and when it might be the right fit for your business here in Horseheads and across NY and PA.

If you want help figuring out whether added protection is right for your business, our team at WJ Farmer Insurance Agency LLC is always here to talk. Give us a call at (607) 796-0551 to get started.

This month's edition of our newsletter is hot off the press!

https://www.wjfarmerinsurance.com/blogsfeb3/august-2026-newsletter

As families get ready for a new school year, it’s a great time to make sure your student has the right insurance protection in place. Whether they’re moving into a dorm for the first time or heading back to campus, a quick review of their coverage can make a big difference.

Our team at WJ Farmer Insurance Agency LLC is here to help you look over key policies like renters insurance, auto insurance, and personal liability so you and your student can feel confident heading into the semester.

Want help reviewing your current coverage or exploring additional options? Give us a call — we’re always here to support our Horseheads and surrounding New York and Pennsylvania communities.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Most businesses make crucial employment-related decisions on a regular basis, and for the most part, these decisions go smoothly. But what happens when something goes wrong in the process?

That’s where employment practices liability insurance (EPLI) comes in. This key coverage can act as a safety net if a business is involved in an employment-related legal conflict. It can help with:

🔵 Defense costs - Many EPLI policies help cover legal defense expenses associated with covered claims, and in some cases, these costs may be covered regardless of the case outcome.
🔵 Settlements or judgments - Policies may help pay covered settlements or court-awarded damages, though this is subject to policy limits, exclusions, and terms.
🔵 Third-party claims (optional coverage) - Some policies include coverage for claims brought by non-employees, such as customers or vendors.

That said, not all policies are the same. Details such as exclusions, limits, and whether coverage is claims-made can significantly affect how the policy responds.

If you want to learn more about EPLI or review an existing policy, don’t hesitate to reach out to our team. We are here to help you ensure that your business is fully protected.

A couple months ago Erie Insurance had their annual ABM contest. We always go all out, offering incentives for our staff to make the contest fun and engaging! This year we added a little team competition. We previously shared our logos each team designed. Although we were missing a few teammates, each team tried to replicate their logo in a team photo. What do you think?

Any guesses as to which team came out on top?

This young pigeon decided he needed some insurance! He’s waiting on our front door for his quote! We gave him a little water while he waits!

We love looking after all our customers!! 🐦

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.

This month's edition of our monthly newsletter is now live!

https://www.wjfarmerinsurance.com/blogsfeb3/july-2026-newsletter

In construction, every project carries risk. And in the summer, when the workload is at its peak and crews are stretched thin, that risk can multiply. From heat-related on-site injuries and equipment damage to third-party liability and project delays, an unexpected issue can strike at any time.

The risks that can impact your business don’t take a summer break. That’s why we’re here to help you make sure your coverage doesn’t take a break either.

Whether you want to get started with a new policy or layer on additional coverages to an existing one, we are here to help find the right blend of coverage for your business. Give us a call today, and we can get started.