Popular business insurance products

Why choose Nationwide as your business insurance company?

Checkmark-small-black-75  Strength and stability

We’re a Fortune 100 company with an A+ from A.M. Best, an A1 from Moody’s and an A+ from Standard & Poor’s.

Checkmark-small-black-75  More than 90 years of business experience

Our first farm policy was issued in 1926 as the Farm Bureau Automobile Insurance Company.

Checkmark-small-black-75  Friendly and dedicated business agents

Thousands of agents across the nation are ready to find the right coverage for you and your business.

Checkmark-small-black-75   Loss control & risk management

Our customers get loss control tools and resources, including a Loss Control Services team who can review your operations, procedures and programs.

Checkmark-small-black-75   Business Solutions Center

Nationwide provides free resources and tools on a variety of important topics to help small business owners start, grow and run their businesses.

Checkmark-small-black-75  We serve companies of all sizes

We are open and ready, serving over half a million small businesses like yours across the nation.

We have your small business covered

Small businesses drive the American economy. We understand that small business owners like you work hard every day, taking risks to better serve your customers, employ more people and strive to be successful. As a leading small business insurer, serving over half a million businesses like yours, we can help you build and protect your business by providing customized insurance solutions to support you and your budget. You can rely on our financial strength and stability to be there when you need us most.

Types of business coverage

Workers' compensation

This coverage can help pay for an injured employee’s medical treatment and lost wages if a job-related injury requires time off work. Workers’ compensation also can protect your business and assets.

Business income

This coverage can help you cover payroll, pay for relocation expenses and replace lost income when a covered loss forces your business to close temporarily.

Crime insurance

This coverage helps protects your business against, burglary, robbery, forgery, computer fraud, employee dishonesty and other crimes.

Employment practices liability

This coverage can help protect your business from employee lawsuits resulting in alleged discrimination, wrongful termination, harassment or other employment-related issues.

Cyber liability

This coverage helps offset the devastating effects of a data breach or computer attack can have on your business from a financial and reputational standpoint.

Errors and omissions (E&O)

Errors and omissions insurance is a type of liability coverage that protects your business against client lawsuits caused by alleged negligent acts, errors or omissions. E&O insurance typically cover you, your employees and your subcontractors.

Equipment breakdown

This coverage helps protect you against equipment failures, including mechanical malfunctions, power surges and operator error, and any associated losses.

Umbrella insurance

This coverage provides additional protection for your business assets by increasing the liability limit you already have with other policies.

Inland marine

This coverage helps protect your property in transit, as well as fine artwork and computer equipment and data.

Accounts receivable

This coverage helps protect your business against losses caused by the inability to collect payment from a customer, as well as damaged accounts receivable records.

Builder's risk

This coverage helps protect your construction projects throughout every phase, from groundbreaking to ribbon cutting.

Management liability insurance packages

Guard against a wide array of risks with a flexible package policy that could include:
  • Cyber coverage
  • Directors & officers liability
  • Employment practices liability
  • Fiduciary liability
  • Miscellaneous professional liability
  • Specialty crime
  • Technology, media & professional services

Surety bonds

Nationwide has been providing contract, commercial and fidelity bonds for more than 50 years. Different than insurance, a surety bond is designed to guarantee your:
  • Integrity and honesty
  • Performance and financial responsibility
  • Compliance with a law or contract

Learn about surety bonds

A leader in small business solutions

We specialize in small business products & solutions for:
  • Auto service & repair
  • Consulting offices
  • Contractors
  • Food service
  • Photography studios
Need to protect a group or event?
Learn more about GrouProtector accident medical or specialty liability insurance.

Why do I need business insurance?

As a business owner, you need business insurance to protect yourself, your employees, your customers, your assets and the future of your company. Think about the high costs associated with worker injuries, lawsuits, temporary business closures and data breaches. Without business insurance, any one of those examples could jeopardize the future of your business. Also, your state may require you to carry certain types of business insurance.

What type of small business insurance do I need?

The kinds of commercial insurance coverage you need depend on the kind of business you have. For example, a tree removal service working with potentially dangerous equipment would have different risks and needs than a freelance web designer. Another factor to consider is where your business is located. It's important to talk to an agent about your business before you purchase to help make sure you have coverage that meets your specific needs.

Things to consider when buying small business insurance

Checkmark-small-Black-75   Do you create and sell a product to customers?
Checkmark-small-Black-75   Do you have employees?
Checkmark-small-Black-75   Do you have one or more company vehicles?
Checkmark-small-Black-75   Do you offer a service to customers?

Industry insurance solutions

Looking for personal insurance? Learn more or log in to your personal insurance account.