Business owners insurance from Nationwide offers complete coverage for medium to small businesses – typically those with fewer than 100 employees and less than $5 million in sales. A business owners policy, also known as BOP insurance, combines several types of insurance coverage together so you can buy a package of protection at a competitive price. With convenience and customizable coverage options, find the insurance for your small business that’s right for you.
With a business owners policy, your small business can get property insurance, liability insurance, crime coverage and additional protection, built into one convenient package. Our insurance for small business owners works to protect you from:
- Property claims
- Equipment breakdown
- Income loss
- Professional liability claims
- Products and completed operations claims
- Fire legal liability claims
- Premises liability claims
Find business owners insurance that is right for your workplace
Business owners policy can be a good solution for businesses like:- Auto repair and lube shops
- Delis and coffee shops
- Motels and hotels
- Medical, dental and veterinarian offices
- Service shops, such as dry cleaners and funeral homes
- Retail florists and clothing stores
- Wholesale barber and beauty suppliers
- Strip shopping centers
Small business owners insurance with superior service
Our agents plan to work with you long term. We understand that your small business owners insurance needs will change over time, so we have regular insurance checkups, known as Nationwide On Your Side® Reviews to make sure your business has the best protection possible.As a Nationwide customer, you are entitled to 24/7 claims service, superior customer support, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Contact a local Nationwide Insurance agent to see what type of business owners policy is right for your small business today.
Business Liability Insurance
General liability insurance is something you cannot do without. As someone who runs a business, you are familiar with the day-to-day uncertainties of small business management. Isn’t it nice to know that you and your business can depend on premium business liability insurance from Nationwide?
Nationwide understands you need complete business protection not just your “one size fits all” coverage. We cover medical expenses, attorney fees and damages when you are legally responsible and other situations that may not have even crossed your mind, regardless of your planning.
We understand all of the hard work you have spent on your business plan – the number crunching, careful planning and endless hours you’ve invested. And because accidents can – and do – happen, Nationwide’s general liability insurance can protect you and your business. For example,
Did you know?
Any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit?
Nationwide can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more
Get the small business liability coverage you need
Your insurance needs are unique to your business. Based on the commercial liability insurance requirements for your company, we can work with you to determine the right type of general business liability insurance coverage for every stage of your business.We offer coverage for:
- Professional liability insurance
- Products and completed operations
- Fire legal liability
- Medical payments
- Premises liability
- Employer’s liability insurance, employee benefits liability and employment-related practices liability
Find out more about Nationwide’s superior business liability insurance
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide Insurance agent today for a free business liability quote customized to suit your business needs.Find out how you can supplement your commercial liability insurance with our free risk assessment tool.
Commercial Crime Insurance Protects Your Company from Fraud, Theft, Forgery and More
Business fidelity insurance is designed to protect your company from many types of crime. Because crime is a common worry for businesses, Nationwide offers business protection to cover your company when employees decide they are entitled to the company’s inventory or a thief robs you of your cash. Working through such losses takes time and money – resources that would be better spent running your business.
Business crime insurance coverage from Nationwide offers business protection and more. We offer coverage for:
- Employee dishonesty
- Forgery or alteration
- Theft of money and securities
- Burglary or robbery
- Computer fraud
Commercial theft insurance covers your cash
Did you know your business property coverage may not reimburse you for cash and checks in a building if a fire or other disaster destroys them? By choosing a commercial crime insurance policy from Nationwide, you can get cash register insurance to protect your cash. Business crime protection is just one more area where Nationwide has you covered.Find superior service with Nationwide Insurance®
Not only does Nationwide Insurance offer business theft insurance solutions tailored to your needs, but we also offer helpful advice to assist in the prevention of crimes against your company. Read through our free crime prevention tips (PDF) to find everyday solutions to keep your business from becoming a target.Then take the next step – contact a local Nationwide agent for a free commercial crime insurance quote for the business coverage you need.
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Auto Insurance
Business auto insurance allows you to move your business forward. Whether you use vehicles to provide mobility for your employees, equipment or products, you cannot operate without comprehensive commercial auto insurance. Nationwide understands that road conditions, weather and other drivers are out of your control. For example:
- A sudden traffic shift causes you to lose control of your vehicle
- Hail or vandalism damages your car
- An uninsured driver hits your vehicle
Get commercial vehicle insurance coverage that fits your business
That’s why it’s important to have business auto insurance to protect the vehicles you use for your business. Contact an agent today and get a free customizable commercial car insurance quote that can include:- Auto liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Uninsured and underinsured motorists coverage
- Coverage for autos you borrow or rent
- Coverage for employees using their cars for the business
Nationwide’s On Your Side® Claims Service takes care of your business
If you do have an accident, you can count on our team of business auto insurance professionals to gather all the facts, assess the damage and settle the claim quickly and fairly. Just call our dedicated Nationwide On Your Side Claims Service representatives at 1-800-421-3535 anytime, and we’ll help get things back on track.Plus, if you work with a Blue Ribbon Claim Services facility to fix your vehicles, we guarantee your repairs for as long as you own or lease them.
Find superior service with Nationwide commercial auto insurance
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free business car insurance quote customized to suit your business needs.And don’t miss our free risk management tips. Taking time now to prevent accidents and injuries is a great way to save you time and money later.
Commercial Property Insurance
Nationwide’s business property insurance protects your business, from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect your business’ physical assets. When business property damage strikes, Nationwide is the commercial property insurance company to turn to for superior coverage:
- A fire could destroy your building and the contents inside
- A burst water pipe could damage your documents, drawings or other valuable papers
- A storm could damage your outdoor sign
Protect what you work hard for with business property insurance
Small business property insurance is one of the most important investments ensuring the future of your business. Nationwide commercial property insurance even has you covered if you have rental building property to protect:- Your building
- Your outdoor sign
- Your furniture and equipment
- Your inventory
- Your fence and landscaping
- Others’ property
Did you know?
If storm damage destroys your outdoor sign, we can provide coverage for the sign and the debris removal.Find superior service with Nationwide business property insurance
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control service and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide Insurance agent today for a free business property insurance quote customized to suit your business needs.Find out how you can supplement your business liability protection with our free risk assessment tool.
Protect Your Goods in Transit With Inland Marine Insurance
Don’t let the fact that Inland Marine Insurance has an odd name stop you from considering it as part of a comprehensive business insurance plan. Originally created to cover the transportation of goods over water, it has expanded over the years to cover goods in transit on land as well, including:
- Property being transported
- Buildings under construction
- Computer equipment and data
- Accounts receivable
- Fine artwork
Does your business need Inland Marine Insurance?
Depending on the type of small business you own, this coverage can be essential to protecting business property. Think about the items you place in your car or truck on a daily basis to get your work done or the valuables, including data, you own or are responsible for. Most property policies limit or exclude coverage for these items.Or perhaps you are in the construction trade or are building an addition to your office. Inland Marine Insurance can protect the building materials—and a contractor’s tools and equipment.
If you clean, repair, service or perform work on property of others, Inland Marine Insurance can work for you. It can cover losses to goods that occur at your premises, while being transported to or from your premises or in storage.
Find superior service with Nationwide Insurance®
We know this type of insurance seems a bit tricky. Our agents can work with you to help you understand the benefits of Inland Marine Insurance. Contact a local Nationwide Insurance agent for more information and a free quote.As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free Loss Control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Umbrella Insurance – Because Accidents Happen
Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:
- Your company holiday party gets out of hand resulting in various injuries and damages
- Your building has a carbon monoxide leak that results in multiple injuries and/or deaths
- Your business fails to render the appropriate professional services
Cover your business with umbrella liability insurance
A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage can pay the outstanding $500,000—which is a lot less painful than having it come out of your business profits.
Umbrella liability insurance coverage tailored to your business needs
How much commercial umbrella insurance coverage does your business need? A variety of factors goes into determining the answer, including the type of business you own and how much coverage you already have.Contact a local Nationwide Insurance agent for a free business umbrella quote customized to suit your business needs.
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, free loss control information, superior customer service and the financial stability that comes with an A+ rating from A.M. Best.And be sure to check out our online safety training courses where you can find information to help keep your company and your employees safe.
Workers Compensation Insurance Takes Care of Your Employees
Workers compensation insurance protects the key players on your team – your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone and Nationwide is here to make sure that doesn’t change. They count on you to be a great employer and to take care of them with workers compensation coverage if the unexpected happens. For example:
- An employee is injured in an auto accident while running errands for the company
- An associate develops carpal tunnel syndrome from working on the computer
- An employee gets hurt while restocking the supply room
Get the right workers compensation coverage for your business
Get peace of mind by protecting your employees with Nationwide, your workers compensation insurance company. Our coverage can:- Pay for an injured employee’s medical treatment
- Replace part of lost wages if a job-related injury requires time off work
- Protect your business and assets
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free workers compensation quote customized to suit your business needs.And don’t miss our online safety training courses specific to your industry to help you more effectively manage safety in the workplace.
*Products or coverage not available to all persons in all states. Contact a local Nationwide Insurance agent for more information.
Equipment Breakdown Insurance – Equipment Failure Doesn’t Have to Mean Business Failure
Business equipment insurance is as important to your business operations as the equipment itself. In an age of technology – telephones, computers and electrical systems – your company is dependent on a variety of machines to communicate with customers and to create, store and sell your products. Nationwide understands that damaged equipment can mean lost income, so we offer broad insurance for equipment breakdowns to keep business running smoothly. For example:
- A power surge could damage your computer network
- Your electrical system could short circuit, causing your business to shut down temporarily
- An employee error might damage your only production machine
Business equipment insurance protects equipment that is vital to your success
Most standard property insurance policies do not provide insurance for equipment breakdown. Equipment breakdown coverage protects against breakdowns caused by power surges, mechanical breakdown, motor burnout, boiler damage and operator error. It can pay for:- The cost to repair or replace the damaged equipment
- Costs associated with the time and labor to repair or replace the equipment
- Business income losses when a covered breakdown causes a partial or total business interruption
- Other expenses incurred to limit the loss or speed the restoration
- The cost to replace the spoiled stock or materials
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free equipment breakdown quote customized to suit your business needs.Business Interruption Insurance – Because Time Is Money
Business interruption insurance keeps your business from closing its doors due to unexpected events. If you’re closed for business, you still have to pay the bills – employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:
- Fire
- Hail
- Wind storm
- Vandalism
- Equipment damage
Business interruption insurance keeps your business running
Business interruption insurance can keep capital flowing through your company in the event of such disruptions. It can help you:- Maintain your business continuity strategy
- Keep your business afloat if a loss forces you to close for a short time
- Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
- Pay your relocation and advertising fees if you set up shop at a temporary site
Your business continuity strategy gets business back on track faster
At Nationwide, we understand that your business is your livelihood, so with our business interruption insurance we start payments sooner. Some companies force you to wait 72 hours after a loss before they start to pay* – not Nationwide Insurance.Contact a local Nationwide Insurance agent today for a free business interruption insurance quote customized to suit your needs.
Find superior service with Nationwide Insurance®
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer support, free Loss Control information and the financial stability that comes with an A+ rating from A.M. Best.And be sure to download our free disaster planning toolkit (PDF) so you can better prepare your business for an emergency.
* Products and coverage not available to all customers in all states.
Surety Bonds
Find surety bonding services for your situation from Nationwide
Nationwide has been committed to providing quality surety bonding services backed by our commitment to On Your Side®customer service for over 50 years. Our portfolio of surety bonds, including contract bonds, commercial bonds and court bonds, has the flexibility to meet your business needs. Fidelity bonds are also available, further enhancing our broad portfolio of surety bonding services.Different than insurance, a surety bond is designed to guarantee a principal’s integrity and honesty, performance and financial responsibility, and compliance with a law or contract.
Contract surety bonds
If you’re a contractor and your next job requires you to secure a bid bond, performance bond, payment bond and/or maintenance bond, now is the time to get pre-qualified. Nationwide specializes in servicing small to medium-sized contractors. Our net worth underwriting philosophy is unique, emphasizing personal and business assets, credit history and your ability to complete projects. No contract surety bond is too small and no minimum premium is required.Find out more about our contract bonds today!
Commercial surety bonds
Nationwide has extensive experience meeting the commercial surety bond requirements for a wide variety of businesses. Our commercial bond customers range from cleaning service companies and motor vehicle dealers to convenience store owners and school board members. Typically required by law or regulation, this general classification of bonds includes license and permit bonds, public official bonds, notary bonds, notary errors and omissions bonds, federal bonds and other miscellaneous surety bonds.Find out more about our commercial bonds today!
Court surety bonds
If you’re involved in the court system as either a defendant, plaintiff or fiduciary, chances are good you’ll be required to obtain a court surety bond. As the name suggests, court bonds guarantee that a person or entity will faithfully perform the duties prescribed by law and will demonstrate financial responsibility for the benefit of another until the final outcome of a court’s decision. Commonly requested court surety bonds include appeal bonds and probate bonds.Find out more about our court bonds today!
Fidelity bonds
Although most businesses feel their assets are secure, employee theft can and does occur. Fidelity bonds protect against employee theft, whether from you or one of your customers.Find out more about our fidelity bonds today!
Business Travel Insurance
Business travel insurance is as necessary to your business operations as avoiding flight delays or traffic jams. Whether it's a quick trip to the store, a jaunt across town for a business meeting or several days out of town for a conference, you’re always on the go. Nationwide offers business travel insurance that will ensure that you and your employees are protected wherever your travels take you.
No matter how, why or where you travel, Nationwide's business travel insurance can help protect you and your employees against the unexpected occurrences that can interrupt your travels. Accidents, illnesses and injuries, can derail even the best laid plans. Learn more about the travel insurance that is right for your business needs and get a business travel insurance quote today!
Business travel insurance gets your trip on the right track
Business travel accident insurance provides accidental death and dismemberment (AD&D) coverage for your employees who travel for their job.Travel accident insurance provides AD&D coverage for you or your employees no matter how you travel.
Product benefits and features vary.
Group Accident Medical Insurance
GrouProtectorSM group accident medical insurance allows your business or organization to hold an event and have the peace of mind that everyone involved will be covered in the case of an accidental injury.
Nationwide offers a wide variety of plan options for community programs, organizations and amateur sports teams.
Get a quote and buy online
Use our quoting application for a fast and easy quote or to bind your policy online.For more information about our products or to submit your policy application through the mail, download or print a brochure.
| Amateur football brochure |  |
| Amateur baseball, softball and T-ball brochure | |
| Amateur basketball brochure | |
| Amateur soccer brochure | |
| Auxiliary police/firefighters brochure | |
| Camps and conferences brochure | |
| Child care brochure | |
| Clubs brochure | |
| Recreation brochure | |
| Vocational training brochure | |
| Youth groups brochure | |
| Amateur sports brochure | online quoting not available |
| Special events brochure | online quoting not available |
| ROTC and JROTC brochure | online quoting not available |
| Volunteer emergency brochure | online quoting not available |
| Volunteer emergency brochure (IN) | online quoting not available |
| Business Activities | online quoting not available |
| Travel accident brochure | online quoting not available |
| New York Disability brochure | online quoting not available |
Nationwide's GrouProtectorSM includes:
- Primary (first-to-pay) and excess (next-to-pay) plans
- Automatic coverage for all group participants
- Accidental death and specific loss (loss of limb, sight, hearing) benefits
- Coverage for out-of-pocket expenses like deductibles, co-insurance and prescriptions
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