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Small business insurance
Small businesses are the backbone of our communities. The dedication and hard work of small-business owners drives local economies and creates jobs. Nationwide is here to support your entrepreneurial spirit with specialized insurance products that protect what you’ve built and help you grow. We have the customizable solutions and resources you need to protect your business and help it succeed.
Explore small business resources to help protect your business and employees.
Small business products and solutions
Accountants, law offices, marketing agencies, salons and construction companies can all be small businesses, but each has different protection needs. Nationwide offers a full suite of coverages to help make sure your business is protected from whatever life brings. Explore our options below to find the coverage that works for you.
Combines business liability, commercial property, business income and equipment breakdown coverages into one package.
Protects your employees in the event that an occupational injury or illness occurs.
Helps protect the vehicles your business uses to conduct its operations, including cars, trucks, vans and more.
Helps your business recoup expenses associated with a cyberattack or data breach.
Guarantee the financial responsibility of the bonded principal and ensure that they operate in compliance with local, state and federal requirements.
Explore other types of small commercial insurance that may apply to your business.
Small business industries that we insure
Don’t see your business or business idea? Contact your agent or get a quote now to see how our insurance can protect your business and help you succeed.
- Finance
- Retail trade
- Technical services
Small business insurance frequently asked questions
Some small businesses are required by law to have certain types of insurance, but it’s always better to be prepared. Even if certain coverages are not required, it’s a crucial safety net that allows business owners to focus on running and expanding their operations with peace of mind.
Small business insurance helps protect against unplanned events such as property damage, injured workers, lawsuits and more. Insurance will help safeguard your business assets, employees and even your customers, helping your business to continue to thrive, even during difficult times.
Small business insurance needs are influenced by several key factors. The specific risks associated with your industry play a significant role. The value and type of property and equipment your business owns also affect the necessary coverage. Additionally, the location of your business can impact insurance needs. The size of your business, including the number of employees and annual revenue, further influences the types and amounts of insurance required. It’s important to talk to an agent about your business before you purchase insurance, to help make sure you have coverage that meets your specific needs.
- Types of insurance: Understand the different types of insurance available and what they cover.
- Legal requirements: Some types of insurance may be legally required depending on your location and industry. For example, workers’ compensation is mandatory in most states if you have employees.
- Industry risks: Assess the specific risks associated with your industry.
- Coverage needs: Consider your business assets, potential liabilities and even weather factors to understand your insurance needs and adequately insure your operation.
- Insurance providers: Work with reputable insurance providers. Compare quotes, check customer reviews and consider the financial stability of the insurance companies.
- Cost vs. coverage: While cost is important, prioritize the coverage you need over the cheapest option. Sometimes, paying a bit more can save you from significant financial loss in the future.
- Policy terms: Understand the terms and conditions of the policies you are considering. Pay attention to deductibles, coverage limits and exclusions.
- Regular reviews: Reassess your insurance needs annually or whenever there are significant changes in your business, such as expansion or new equipment.
There are many factors that determine how much insurance costs, including size, location, business type, vehicles, property, years in business and number of employees. The best way to find out how much your business insurance might cost is to get a quote.
Getting started is easy! Find an agency near you or get a quick online quote, then call 1-877-669-6877 to buy your policy.
Explore business insurance member resources to learn about services and benefits.