W.J. Farmer Insurance Agency, LLC

W.J. Farmer Insurance Agency, LLC Contact us TODAY for a COMPLIMENTARY Quote!! With an insurance background and knowledge dating back to 1983, our founder, Jeff Farmer, established W.J.
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Farmer Insurance in 1997. In 2015 he merged with his daughter Amy’s five year old agency and together formed W.J. Farmer Insurance Agency, LLC. Servicing the needs of the entire states of New York and Pennsylvania, we work with the Erie Insurance Company and other major and regional insurance carriers to provide a full range of personal, business and life insurance products. With employees in both

upstate and downstate New York, we are uniquely situated to meet the needs of all of our clients throughout New York and Pennsylvania. Specialties include auto and home insurance as well as package insurance for a wide range of small and medium sized businesses. With over 100 years of combined experience and over 10 years of average experience per employee, we are well suited to meet the insurance needs of our personal and business customers alike.

Back-to-school season is here, and our team wants to help your family start the year safely. No matter how your kids get...
09/01/2026

Back-to-school season is here, and our team wants to help your family start the year safely. No matter how your kids get to school, a quick safety refresher can make a big difference.

Walking? Stick to sidewalks, use crosswalks, make eye contact with drivers, and walk with others when possible.

Biking? A well-fitted helmet is essential. Ride with traffic, stop fully before crossing, and choose routes with lighter traffic.

Taking the bus? Wait at least 6 feet from the curb, board only after a complete stop, and never walk around a bus without clear eye contact with the driver.

Getting dropped off? Follow school zone speed limits and your school's drop-off plan. Never pass a bus that is loading or unloading.

Teen drivers? Remind them to buckle up, keep devices away, and stay within speed limits.

We care about the safety of families throughout Horseheads and our surrounding communities. Have questions about coverage or back-to-school safety? Reach out to us anytime.

Ever wondered what actually happens to your payout after a covered loss? It often comes down to one key detail: whether ...
08/27/2026

Ever wondered what actually happens to your payout after a covered loss? It often comes down to one key detail: whether your policy is based on replacement cost value or actual cash value.

These two approaches work very differently, and understanding the difference can help protect you from unexpected costs when it’s time to file a claim.

Our team at WJ Farmer Insurance Agency LLC is here to help you make sense of your home insurance, renters insurance, or any other personal or commercial coverage.

Not sure which option you have or which one fits your needs? Give us a call at (607) 796-0551 and let’s talk through it together.

Cyber incidents like ransomware, phishing, and vendor outages continue to disrupt businesses of all sizes. These events ...
08/18/2026

Cyber incidents like ransomware, phishing, and vendor outages continue to disrupt businesses of all sizes. These events can impact far more than your IT systems—they can affect operations, revenue, and even long-term reputation. With billions in cyber losses reported each year, it’s more important than ever for businesses to understand their risk.

We’re sharing a quick overview of how cyber insurance can help safeguard your business and keep you running when the unexpected happens.

If you’re unsure how your current policy would respond to a cyber event, now is a great time to take a closer look. Our team at WJ Farmer Insurance Agency LLC is here to help you review your coverage and make sure your business is properly protected.

With back-to-school season right around the corner and August marking National Traffic Awareness Month, our team wanted ...
08/13/2026

With back-to-school season right around the corner and August marking National Traffic Awareness Month, our team wanted to share a few quick reminders to help keep our roads safer for students, families, and our community here in Horseheads.

As daily routines shift and traffic increases, even small moments of extra awareness can make a big difference. Slower speeds in school zones, staying alert at crosswalks, and watching for buses are simple habits that help protect the most vulnerable people on the road.

Swipe for a few helpful safety tips for both drivers and parents as we head into a busy time of year.

At WJ Farmer Insurance Agency LLC, we care about the well-being of our neighbors, and were always here if you need guidance on auto insurance or other coverage options. Feel free to share these reminders with anyone who may find them helpful.

Professional liability insurance plays a huge role in protecting businesses that offer services, advice, or expertise. A...
08/11/2026

Professional liability insurance plays a huge role in protecting businesses that offer services, advice, or expertise. Also known as errors and omissions insurance, it helps cover the unexpected moments that can happen even when you're doing everything right.

We put together a quick overview to help you understand what this coverage includes, who should consider it, and why it matters for small and mid-size businesses across New York and Pennsylvania.

If you’re unsure whether your current professional liability coverage is the right fit, our team at WJ Farmer Insurance Agency LLC is here to help. Reach out anytime to get the guidance you need to stay protected.

Running a business means juggling countless responsibilities, and protecting your team and assets is one of the biggest ...
08/06/2026

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.

As families get ready for a new school year, it’s a great time to make sure your student has the right insurance protect...
08/04/2026

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 ...
07/30/2026

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 ...
07/21/2026

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.

Address

Horseheads, NY

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 3pm

Telephone

+16077960551

Website

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