Common Questions About Working With Nationwide^®

You probably have questions about the best ways to protect your business. Here are a few of the most commonly asked questions related to business insurance for florists. Contact a Nationwide^® agent to answer your additional questions.

Q: What specific coverages do florist shops need?

A: Here are some of the coverages you should consider:

• Spoilage Coverage
• Misdelivery Coverage
• Peak Season Coverage for increase in stock amounts at special times
• Business Interruption/Loss of Income Coverage
• Business Auto Coverage
• Equipment Breakdown Coverage for your refrigeration and communications equipment

Q: Does Nationwide offer these coverages?

A: Yes

Q: What can I expect from Nationwide?

A: We understand you’re different from other business owners.        

• You have plenty of things to think about without adding insurance to the list. We can help handle your business insurance so you can put more energy into your business.
• You work long hours, leaving little time to shop for insurance. We’ll come to you when it’s convenient for you.
• Our agents and customer service professionals will make your business insurance an easy, stress-free experience.

      Nationwide offers coverages and other services just for your florist shop.

• Policies tailored to your unique needs, from a company with 80 years of insurance experience
• Free onsite loss control services
• Plus loss control resources you can use on your own.
• Our business Care Review^® program makes sure your insurance is keeping pace with your business.
• Friendly, accessible Nationwide agents and claims professionals
• Flexible, convenient ways to pay your bill

Q: Can Nationwide meet all of my insurance and financial needs?

A: Yes, we offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages and investments.

Q: If I have several locations do I need to have several policies?

A: No, Nationwide can cover all of your locations on one policy, saving you money and paperwork.

Q: What can Nationwide do to help me as my business changes?

A: We offer free, periodic insurance reviews, called Nationwide Care Reviews^SM, to make sure your insurance is keeping up with your business. Plus, we always stay in tune with new trends affecting your industry, so we can adapt our coverages to provide the best protection for your business.

Q: What type of coverage is often overlooked in the florist shop industry?

A: Debris Removal – Hauling away steel and concrete after a disaster can add up quickly. Most property insurance policies include a limited amount of debris removal coverage. Higher limits are available through Debris Removal Coverage.

Flood insurance – Nationwide does not offer flood insurance, but your agent can connect you to the National Flood Insurance Program, government-sponsored insurance that offers up to $500,000 in coverage.

Ordinance or Law – This insurance can protect you if your building is ordered to be torn down and rebuilt to code after a loss. Many times, extra expenses are involved that cannot be accounted for when your building is valued. This coverage will not only pay for the damage to your existing building, but also for the undamaged portion that is to be torn down, the demolition costs and the removal of the debris.

Q: What is umbrella insurance?

A: It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.

Q: How do I pay my premiums?

A: Various options are available, including monthly and quarterly. Contact an agent to work out the best plan for your business.

Q: What do I do if I have a claim?

A: You can: 

• Call us 24/7 at 1-800-421-3535
• Visit our claims center
• Or call your agent

Q: How is Nationwide rated, and what does the rating mean?

A: Nationwide is rated A+ (superior) by A.M. Best, an independent insurance benchmarking group. Only companies that have a superior ability to meet their ongoing obligations to policyholders earn this high of a rating.

Q: How can I find a Nationwide agent?

A: By using whatever method works best for you:

• Use our Professional Locator
• Look in the yellow pages
• Ask a friend or business associate for a recommendation