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Insurance Services


Workers' Compensation Insurance

Workers’ compensation is a state-regulated insurance that covers employees who are injured on the job. Nearly every state requires businesses to have workers’ compensation insurance to protect them financially after a workplace accident occurs. Workers’ compensation insurance provides benefits, such as medical care and compensation for lost income, to employees who may suffer an occupational disease or accidental injury while at work.

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Business Owners Policy (BOP)

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health. At Nationwide, we understand how important that is.

BOP coverage for businesses with fewer than 100 employees and less than $5 million in sales. Common BOP coverage includes:

  • Property insurance, which protects your building, equipment and inventory
  • Business income insurance, which covers lost income if your operations are suspended because of a covered loss
  • Equipment breakdown insurance, which protects you if your equipment is damaged from power surges, mechanical breakdown, burnout or operator error
  • Personal and advertising injury coverage, which covers copyright infringement, libel and slander
  • Bodily injury and property damage liability, which covers those instances when your employees, products or services cause harm to other people or their property
  • Medical payments coverage, which covers medical expenses resulting from injury to others on property you own or rent
  • Rented vehicle coverage, which provides liability coverage for autos that you lease, hire or borrow

 

Commercial Umbrella Liability Policy

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, commercial umbrella insurance will help ensure that your business is protected. While no one wants accidents to happen, they do and people sue. Here are a few possibilities:

  • Your company holiday party gets out of hand resulting in various injuries and damages
  • Your building has a carbon monoxide leak that results in multiple injuries and/or deaths
  • Your business fails to render the appropriate professional services 

 

Business Automotive

You and your employees depend on commercial vehicles every day as an essential part of doing business. Protect your vehicles as well as your employees with commercial auto insurance because road conditions, weather and other drivers on the road are simply beyond your control.

 

Bond

Bond is designed to guarantee a principal’s integrity and honesty, performance and financial responsibility, as well as compliance with a law or contract.

Our portfolio of surety bonds, including contract bonds, commercial bonds, court bonds and fidelity bonds has the flexibility to meet your business needs.

 

General Liability

With the day-to-day uncertainties of small business management, general liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned.

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind.

 

Health & Benefits

Employer Health Insurance

Medical insurance is often considered the cornerstone of a comprehensive employee benefits package. Provided by a specific carrier, medical insurance offers your employees access to necessary preventative, ongoing, and emergency care.

Health Insurance often includes a prescription drug benefit, allowing your employees to acquire the medications they need to address an immediate health concern or help manage a long-term chronic condition. Many health insurance plans also cover preventative care and provide wellness programs to encourage healthy behaviors and identify medical conditions when they first develop.

Your business may benefit from sponsoring an employee medical insurance program in the following ways:

  • Employees have access to necessary health care services in a more cost-effective manner compared to paying providers directly.
  • You may attract and retain top talent by offering a high-value total compensation package.
  • You can provide employees with an option to avoid possible penalties when the individual mandate of the Affordable Care Act takes effect in 2014.

Offering health insurance is a business investment that may keep employees engaged and satisfied. Let’s work together to find a program that will help you meet your current and long-term medical insurance needs.

 

Medical Insurance

Medical insurance offers your employees coverage for necessary medical services via healthcare providers that are covered by your plan.

 

Dental Insurance

Dental insurance offers your employees coverage for necessary dental services via dental practitioners that are covered by your plan.

 

Life Insurance

Life insurance allows the beneficiaries of a covered employee to receive a payment in the event the insured individual dies.

 

Short-Term Disability Insurance

Short-term disability insurance can offer payment to your employees for a limited period of time if a disability prevents them from maintaining complete and normal life functions.

 

Long-Term Disability Insurance

Long-term disability insurance provides payment to your employees for an extended period of time in the event they suffer a defined disability.



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