Commercial General Liability -
The Most Basic Form of Business Insurance
If you have only one form of business insurance, it is most likely Commercial General Liability. CGL policies cover claims in four basic categories of business liability:
• Bodily Injury
• Property Damage
• Personal Injury (including slander or libel)
• Advertising Injury
In addition to covering the claims listed above, Commercial General Liability policies also cover the cost to defend or settle claims - even if the claims are fraudulent.
Business Liability insurance protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverage may not be available on all policies or in all states.)
Small Business Owners Policy
Business owners insurance from Nationwide offers complete coverage for medium to small businesses – typically those with fewer than 100 employees and less than $5 million in sales. A business owners policy, also known as BOP insurance, combines several types of insurance coverage together so you can buy a package of protection at a competitive price. With convenience and customizable coverage options, find the insurance for your small business that’s right for you.
With a business owners policy, your small business can get property insurance, liability insurance, crime coverage and additional protection, built into one convenient package.
Our insurance for small business owners works to protect you from:
• Property claims
• Equipment breakdown
• Income loss
• Professional liability claims
• Products and completed operations claims
• Fire legal liability claims
• Premises liability claims
Small business owners insurance builds in the specialized coverage your business needs, plus, you can choose from an array of other options. If your company needs additional protection, our agents will work with you to create a tailored business package that suits your specific needs.