Common Questions About Working With Nationwide

You probably have questions about the best ways to protect your veterinary practice. Here are some of the most commonly asked questions related to business insurance for vets. Contact a Nationwide ^® agent for answers to your additional questions.

Q: What specific protection do veterinarians need?

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

• Veterinarians Professional Liability Coverage
• Workers Compensation
• Inland Marine Coverage
• Equipment Breakdown, including Spoilage Coverage
• Business Interruption/Loss of Income Coverage
• Crime Coverage
• Valuable Papers Coverage
• Computer Coverage
• Business Auto Coverage, including hired and non-owned coverage

Nationwide can offer these coverages and more.

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 practice.
• We understand you need the best coverage for the best price. After all, the bottom line is important. By thoroughly understanding your business, we make sure you receive all qualifying discounts.
• Our agents and customer service professionals will make your business insurance experience easy and stress-free.

      Nationwide offers coverages and other services just for your practice.

• 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^SM 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 both my insurance and financial services needs?

A: Not only can we protect your veterinary practice, but we also offer a full range of personal insurance products, as well as financial services and mortgage and banking expertise. So we can cover your home, cars, mortgage, investments, business property, business vehicles, as well as special issues like workers compensation, life insurance and umbrella coverage.

Q; If I have several locations, do I need to have several policies?

A: No, Nationwide covers all of your locations in one policy, saving you money and paperwork.

Q: What type of coverage is often overlooked in my 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. For example, code may now require that your building have an elevator installed. This coverage can pay for the undamaged portion of the building that is to be torn down, the demolition costs and the removal of the debris and the increased costs associated with building to code.

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: Who do I call 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: What can Nationwide do to help me as my business changes?

A: We offer free, periodic insurance reviews, called business 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: 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 rating.

Q: How can I find a Nationwide agent?

A: By using whatever method works best for you:

• Nationwide.com (link to agent locator)
• Yellow pages
• Ask a friend or business associate for a recommendation