Take advantage of our extensive expertise
  • Nationwide is a leading writer of real estate businesses with over 127,000 accounts across small and middle markets and approximately $1 billion in written premium
  • With over $325 billion in insured values, we support midsize and growing real estate operations
  • You’ll work with underwriters, loss control specialists and claims business consultants with expertise in the real estate industry
  • Nationwide is a national carrier that writes commercial insurance in 46 states and the District of Columbia

Real estate appetite guide

  • Real estate professionals (agents and brokers)
  • Real estate investment trusts (REITs) — standard lines only
  • Commercial lessor’s risk only (LRO)
  • Property management firm

Middle market account size and submission requirements

Account size
  • +$100,000 or more total account premium
  • Property: +$20 million in value
  • Workers’ compensation: 50+ employees
  • Commercial auto: 20+ power units

Submission requirements

  • Rent rolls naming each tenant, description of business operation and % of area occupied, or equivalent information provided on a statement of values (SOV)
  • Completed ACORD application and applicable Nationwide Real Estate supplementals (or equivalent underwriting information)
  • Copies of executed contracts and lease agreements with all third parties
  • 5-year, prior carrier/currently valued loss run

How we protect real estate businesses

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Platinum endorsement provides key coverages, including:
  • Accounts receivable
  • Appurtenant (detached) structures
  • Computer fraud and funds transfer fraud
  • Computers and media
  • Discharge from sewer, drain or sump
  • Employee dishonesty
  • Newly acquired or constructed property
  • Ordinance or law
  • Unauthorized business card use
  • Utility services
Contains upgrades to liability protection, such as:
  • Damage to premises rented to the insured
  • Automatic coverage for newly formed and acquired organizations for up to 180 days
  • Aggregate limit per location
  • Broadened definition of bodily injury to include mental anguish
  • Unintentional failure to disclose hazard
Gold and platinum endorsements boost auto coverage for anything from additional insureds and emergency lockouts to extended towing and transportation expenses.
  • Workers' compensation
  • Management liability (include cyber liability)
  • Flood and earthquake
  • Equipment breakdown
  • Commercial umbrella

How we work with businesses like yours

We look to partner with business owners who passionately care about their employees’ safety and business’s reputation. Their quality standards are high, and they have the same expectations of their employees, suppliers and business partners.

Nationwide CustomSolutions® meets the complex and specialized needs of midsize and growing real estate businesses by providing customized coverages, state-of-the-art loss control services and superior claims services. We’ll work with you and your agent to tailor insurance solutions for your business, identify key loss drivers and suggest remedies to help manage those risks.

See our expertise in action

Help when it’s needed most

A national presence with distribution in 46 states and the District of Columbia*
Loss control professionals with industry-specific expertise and broad capabilities
Direct access to a claims business consultant who can answer questions and provide customized reporting**
* Not writing in OK, LA, AK & HI. Other limitations may exist due to specific exposures or CAT management.
** For qualifying accounts

Other business insurance policies you may need

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We know risk characteristics vary from one account to another, and we encourage you to call us with any questions about your new business or renewal accounts. We value your partnership with Nationwide and look forward to connecting on new opportunities!

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Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.