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Commercial Insurance

 

Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Special event insurance can help.

Business Owners Policy

A businessowners policy, also known as BOP insurance, combines various insurance coverages with additional protection into one convenient package. If you’re not sure what coverage is right for your business – or have not considered a BOP – learn how a BOP with Nationwide can protect your business.

Workers Comp

Workers compensation insurance protects the key players on your team – your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone. They count on you to take care of them if the unexpected happens.

Workers compensation insurance can help if:

  • An employee is injured in an auto accident while running errands for the company
  • An associate develops carpal tunnel syndrome from working on the computer
  • An employee gets hurt while restocking the supply room

Get the right workers compensation coverage for your business

Workers compensation insurance from Nationwide can:

  • Pay for an injured employee’s medical treatment
  • Replace part of lost wages if a job-related injury requires time off work
  • Protect your business and assets

We can help you find the workers compensation coverage that best fits your company and recommend ways to improve job safety, control losses, lower your claim costs. Most importantly, it can protect the people who work for you.

Commercial Property Insurance
Nationwide’s business commercial property insurance can protect your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, business property insurance protects your business’ physical assets.Commercial property insurance plans vary from policy to policy, but are generally categorized by the type of event leading to a loss, and by what specifically is insured.For example:

  • A fire could destroy your building and the contents inside
  • A burst water pipe could damage your documents, drawings or other valuable papers
  • A storm could damage your outdoor sign

What business property insurance covers

Small business property insurance is one of the most important investments ensuring the future of your business. Here are some of the important aspects of your business that commercial property insurance helps protect:

  • Your building
  • Your outdoor sign
  • Your furniture and equipment
  • Your inventory
  • Your fence and landscaping
  • Others’ property
Nationwide understands that your business is unique and constantly changing. We can tailor our commercial building insurance policy to fit your needs.
General Liability
Business liability insurance coverage is something most business simply must have, so it is essential that you understand what it does and doesn’t cover.Here are some general liability insurance coverage rules of thumb. To be sure about your specific business needs, be sure to consult with a qualified business insurance agent.

What’s typically protected by commercial liability insurance coverage

Business is inherently risky, but business liability coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.

Lawsuits, investigations and settlements

If damages are filed against you or you’re sued, general liability insurance covers the insurance company’s investigation and attorney expenses, any judgment or settlement, medical expenses in case of injury and bonds if they must be subsequently posted.

Injury damages

Claims can arise from bodily injury or property damages resulting from accidents on your premises or from your products, your operations or advertising for your business.

Miscellaneous

Liability insurance can also cover things you may not have thought about, such as advertising injury in the event your company’s marketing violates someone’s copyright. Business liability insurance coverage even offers some protection against alcohol-related accidents (as long as your company is not in an alcohol-related business, such as the manufacture or distribution of alcohol).

What’s typically NOT protected by business liability coverage

Here are some situations that would not be protected by general liability insurance coverage.

Professional mistakes

Business liability insurance coverage won’t cover a professional mistake, but professional liability will. It insures against mishaps that may occur as you offer your opinion, solution, service or recommendations in the course of business.

Auto-related coverage

Business liability coverage does not protect you against auto accidents. Purchase a separate auto policy to protect your business.

Punitive damages

Though there can be exceptions, a general business liability policy rarely pays for punitive damages resulting from a lawsuit.

Intentional acts

General business liability insurance does not cover damages or injuries resulting from expected or intentional acts. For example, if an employee assaults a customer, your business liability coverage would not cover the damages if they sue. But if the employee was defending himself or the company from a criminal act, the liability insurance would provide coverage.

Your work

Referred to as the “workmanship” exclusion, and is common in general liability policies. Insurance policies do not respond to what would normally be picked by a company’s warranty for their work.

Event Coverages

If you organize family, business or community events, you know how much planning and effort is involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Special event insurance can help.

Wondering If We're Right Company For You?

Here at Gary Sullivan & Associates, LLC Nationwide, we provide ourselves on the relationships we build with each of our members. Each member is provided with a consultative review to better understand the coverage they have vs. the coverage they need. Welcome to the Nation.

Nationwide Insurance: Gary Sullivan & Associates Greer

 

3110 Wade Hampton Blvd Ste. 13 Taylors, SC 29687 864-244-3879

Nationwide Insurance: Gary Sullivan & Associates Powdersville

3151 SC-153, Powdersville, SC 29673, USA

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