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Simonian Insurance

Learn more about our agency.

Since 1951, we have been helping clients throughout California, Colorado, and Washington protect their businesses, homes, and families from all the unexpected things life throws at them. With our roots in community and family, we always strive for personal relationships and customized insurance packages to meet your individual needs. We take the time to understand the unique risks that you face and find appropriate insurance solutions to fully protect the things that matter most to you.

With over 69 years in business, you can be confident that you’re working with the best people in the industry who are looking out for you and your needs. There’s a reason we’ve been accredited by the Better Business Bureau, and it’s because of our excellent service and our dedication to helping our clients get the right insurance coverage for their needs. Everything we do is for our clients, and we’re here to guide you and advocate for you through every step of the insurance process.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Areas We Specialize In

With our roots in farming, we specialize in agribusiness insurance and other related insurances like workers’ compensation insurance and ocean marine insurance. We understand all the unique challenges our clients face, and we strive to meet them head-on by offering you our dedicated service.

Agribusiness Insurance

Focus on your agribusiness. We have you covered.

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Ocean Marine Insurance

Stay afloat in the
event of a loss.

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Workers' Compensation Insurance

Essential coverage for a safe, productive workplace.

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The Solution To Your Insurance Needs

Providing a variety of business insurance, personal insurance, and employee benefits solutions is what Simonian Insurance does best.

What Makes Simonian Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

BBB Accredited
Agency

Our agency has been accredited by the Better Business Bureau, so you can work with us with confidence.

Family Owned and
Operated

Our third-generation agency is happy to welcome you into our family with reliable, trusted, and personalized service.

69+ Years of
Experience

We were founded in 1951, and we have a legacy of loyal clients and lasting customized insurance coverage and service.

Partnership-UVIS

Simonian Insurance + United Valley Insurance Services, Inc.

Simonian Insurance is a member of United Valley Insurance Services, Inc., an exclusive network of 80 independently owned and operated insurance agencies ranked #22 in Insurance Journal’s Top 100 privately held insurance agencies in the country.

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Interactive Graphic

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm

ATV / Utility Vehicles

Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure

Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage

Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season

Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control

Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity

Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops

Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage

Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Agribusiness Insurance 101

Make sure you cover the unique risks you face with agribusiness insurance.

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  • Discover your risks.
  • Get the right coverage.
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Fowler, CA

503 North 7th Street
Fowler, CA 93625

Licensed in California, Colorado, and Washington

Simonian Insurance is proud to serve Fowler, CA, Selma, CA, Kingsburg, CA, Reedley, CA, Sanger, CA, and Dinuba, CA, and cities throughout California.

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