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Safety and Loss Control
Nationwide Accounting Office Insurance Just Adds Up
We’ve listed some common concerns most accounting and bookkeeping offices have, along with some ways we can partner to protect your business. When you’re ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| What if a customer gets hurt in my office? |
Review our Preventing Slips, Trips and Falls Safety Bulletin
| |
| Professional mistakes happen. What if I inadvertently make a typo on a client’s financial statement or taxes? |
Employees should be properly trained and licensed A procedure should be in place for quality checking Your practice should participate in audits by an independent firm | Nationwide does not offer Professional Liability Coverage for accountants, but we can work with a partner company to help you find coverage. |
| What if one of my employees is extremely tired during tax season and is injured on the job due to fatigue? |
Limit the maximum number of hours an employee works Create an employee safety handbook that addresses safe driving practices, proper ergonomics and slip and fall hazards Review Ergonomics in Action Safety Bulletin Review Driver Fatigue Safety Bulletin |
Workers Compensation Coverage Stop Gap Liability Coverage |
| What if one of my employees is involved in an auto accident while driving on business? |
Address driving safety in the company handbook Review Personal Vehicle Use Policy Safety Bulletin Review Business and Personal Auto Use Safety Bulletin Review Accident Procedures Safety Bulletin Review Driver Distraction Safety Bulletin Review Driver Fatigue Safety Bulletin |
Business Auto Coverage Hired Auto Coverage Non-Owned Auto Coverage |
| What if a fire destroys important business documents? |
Keep backup copies at a separate location Utilize fireproof filing cabinets for safeguarding your documents or your customers’ documents | Valuable Papers Coverage |
| What if a fire or storm destroys my building and the contents in my office? |
Review our Office Safety
Checklist Review Electrical Safety for Small Businesses Review our Disaster Planning Guide for Small Businesses Safety Bulletin |
Building Coverage Business Personal Property Coverage Accounts Receivable Coverage |
| What if I am accused of libel or slander? | Train and designate a company spokesperson |
Personal and Advertising Injury Coverage Umbrella Coverage |
| What if an employee has a repetitive-motion injury? |
Employee training Review Ergonomic Written Program Elements Review Ergonomics in Action | Workers Compensation Coverage |
| During tax season, I have a lot of checks and cash on hand. Am I protected if someone breaks in and steals it? |
Make frequent trips to the bank Vary travel times to the bank Review our Crime Prevention Tips | Money and Securities Coverage |
| What if my computer equipment or electronic files are damaged due to a power surge, fire or water leak? |
Back up your data on a regular basis Secure off-site storage | Electronic Data Processing Coverage |
| What if an employee embezzles from a client or from the company? |
Establish a system of checks and balances Review Employee Theft Safety Bulletin | Employee Dishonesty Coverage |
| If the office needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and my bills? |
Review our Office Safety
Checklist Review our Disaster Planning Guide for Small Businesses |
Business Income Coverage Extra Expense Coverage |
| What if a windstorm damages or knocks down my sign? | Purchase signs that are built to withstand local weather conditions | Outdoor Sign Coverage |
| I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination. |
Review Hiring
Practices/Employee Selection Safety Bulletin Outline policies and procedures regarding discrimination and harassment in your employee handbook. | Employment Related Practices Liability Coverage |
| What if I hire a new employee and make an error in benefits enrollment and the employee gets sick and is without health insurance? |
Create a New Employee
Orientation Checklist Conduct employee file reviews | Employee Benefits Coverage |
| What if an employee is accused of harassing another employee? |
Employee training Review Hiring Practices/Employee Selection Safety Bulletin | Employment Related Practices Liability Coverage |
| What if another tenant in my building causes a fire that damages my building |
Property Coverage Business Income from Dependent Properties Coverage Tenants Property Damage Legal Liability |
Did You Know?
Approximately 10% of accountants and auditors are self-employed.
– U.S. Bureau of Labor and Statistics
Want to know more?
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a Nationwide Insurance® agent
Did You Know?
If a burst water pipe damages valuable documents, papers, records or reference material, your Nationwide policy could help to restore or replace them
Want to know more?
Find
a Nationwide Insurance® agent
