Liability Insurance Can Help Protect Your Business from the Unknown
With the day-to-day uncertainties of business management, 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. It is a critical part of any insurance portfolio, regardless of your industry.
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. For example, any individual or business providing an opinion, making recommendations, designing products/solutions or offering a service is at risk for a professional liability lawsuit. Nationwide can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.
Nationwide offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.
You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.
Hired and Non-owned Auto Liability Insurance
Provides auto liability coverage for short-term auto rental or for employees using their personal auto during the course of business.
Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.
Product and Completed Operations Liability Insurance
Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.
Employment-Related Practices Liability Insurance
Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made by your employee against you, the employer.
Directors and Officers Liability Insurance
Provides coverage for situations where a poor decision was made by a company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.
Liquor Liability Insurance
Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of your business operations.
Fire Legal Liability
Provides coverage for fire damage to premises you rent or occupy with the landlord’s permission. You must have been negligent in causing the fire for this coverage to respond.
Understanding Business Liability Insurance – Additional Resources
Ask your agent about Medical Payments, Premises Liability, Employer’s Liability and Employee Benefits Liability.
In addition to the above, please review these additional resources, based on frequently asked questions (FAQs) about business liability:
Prevent Common Business Liability Claims
Learn a few simple things you can do to help prevent many of the most common loss events from happening to you.
Choose Nationwide as Your Business Liability Company
Learn why Nationwide is the #1 Total Small Business Insurer and the right company to protect your small business.
Errors and Omissions Insurance
Mistakes happen. That’s where E O insurance can help.
Off-Site Liability Safety Checklist
Avoid off-site injuries by training employees in proper business liability off-site safety measures.
Professional Liability Insurance
Professionals such as architects, church advisors and health-care workers can benefit from this coverage.
Liability Insurance Terms
Knowing these insurance terms can help you make an informed choice about your business liability policy.
Questions Your Agent May Ask
Learn what your insurance provider needs to know about your business.
General Liability Insurance
Make sure you have the right coverage for your business by understanding what liability does and does not cover.
Property Liability Insurance
Take a closer look at commercial liability, business property damage and a business owners policy.
Commercial Auto Liability
Business auto liability insurance is an important safeguard for your business.
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.
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