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Commercial insurance
Commercial insurance
Nationwide CustomSolutions® for food service
Take advantage of our extensive expertise
- Nationwide is a leading food service insurer. We help protect over 20,000 restaurants across the U.S.
- We support midsize and growing restaurant groups, including those with over 100 locations.
- You’ll work with underwriters, loss control specialists and claims consultants with expertise in the food service industry.
- Nationwide is a national carrier that writes commercial insurance in 46 states and the District of Columbia.
We have a big appetite for Food Service
- Bakeries
- Breweries
- Cafes
- Carryout
- Caterers
- Coffee shops
- Delicatessens
- Diners (other than 24-hour)
- Family-style/table service
- Fast casual
- Fast food
- Fine dining
- Food stands
- Food trucks
- Ice cream/yogurt shops
- Pizza parlors
- Sandwich shops
- Sidewalk food vendors
- Virtual restaurants/brands
Middle market requirements
We look to serve restaurant groups and other food service operations that are growing and have outgrown small-business coverages.
- General liability: +$20 million in sales
- Property: +$20 million in value
- Workers’ compensation: 50 or more employees
- Commercial auto: +20 power units
How we protect food service businesses
Provides fundamental commercial property, business income and general liability coverage.
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
Restaurants: Gold and Platinum endorsements boost coverage for anything from accounts receivable and employee dishonesty to food contamination and loss of utility service.
Gold and Platinum endorsements boost auto coverage for anything from additional insureds and emergency lockouts to extended towing and transportation expenses.
- Liquor Liability
- Spoilage Coverage
- Workers’ Compensation
- Management Liability (including Cyber Liability)
- Flood and Earthquake
- Equipment Breakdown
- Commercial Umbrella
Help when it’s needed most
Return-to-work programs for injured or ill employees covered by workers’ compensation
Specialized expertise in exposures common to food service, such as product liability, state-specific liquor liability, additional insured responsibility and contractual risk transfer
Assigned Claims Business Consultant to serve qualifying accounts
Other business insurance policies you may need
Business auto
Protect your company vehicles
Workers' compensation
Protect your employees against injuries
Property
Protect your office, storage and workshop locations
Umbrella liability
Additional layer of protection above your other liability coverages
Surety bonds
Comprehensive bond solutions for contractors of all sizes
We know risk factors vary from one account to another. We encourage you to call us with any questions about renewals or new business that aren’t included in our class guidelines.
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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.