Nationwide Mutual Insurance Company

The organization's 'Umbrella Liability Insurance' helps companies add an extra layer of protection once an existing general liability, auto, or other liability policy reaches its limit. A $1 million general liability policy paired with a $2 million umbrella policy could raise per-occurrence limits to $3 million. It also allows users to broaden coverage for risks that underlying policies exclude.

Nationwide Mutual Insurance Company's 'Surety Bonds' enable contractors to guarantee that a business will meet its contractual, legal, or regulatory obligations. Plus, the company's surety division offers 50-state capacity, serving small, medium, and large contractors. Its coverage spans commercial and contract bonds, backed by a flexible structure.

The 'Professional Liability Programs' help protect businesses that provide advice or services from claims of negligence, errors, or omissions. Through its excess and surplus division, Nationwide provides users with tailored professional liability coverage for insurance agents, brokers, and financial services providers. This coverage limits reach up to $10 million on a primary or excess basis, along with a dedicated claims team.

Businesses can utilize the company's General Liability Insurance, also called business liability insurance, to cover medical expenses and attorney fees. This is particularly beneficial when a business is held responsible for bodily injury or property damage. It applies to claims arising from products, services, or daily operations, and can extend to damage caused to a landlord's property.

With 'Equipment Breakdown Coverage', businesses can protect mechanical, electrical, and computer equipment from internal failures such as power surges, motor burnout, or operator error. It helps pay for repair or replacement costs, lost income, and spoiled inventory resulting from a breakdown, or fills gaps.

The company's 'Commercial Property Insurance' enables users to protect a business's building, contents, and outdoor fixtures such as fencing or signage from covered losses. These losses include fire, wind, hail, and vandalism. Policies can pay out based on replacement cost or actual cash value, and coverage can be expanded with endorsements for added risks like earthquakes or broken glass.