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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 and Nationwide is here to make sure that doesn’t change. They count on you to be a great employer and to take care of them with workers compensation coverage if the unexpected happens. For example:

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability 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:

It’s critical for you to protect your business by identifying potential risks from natural and manmade disasters. Be pessimistic – this is definitely a case of planning for the worst and hoping for the best.

Here are some suggestions, if you are at risk for the following disasters:

The U.S. Small Business Administration is the federal disaster bank in the wake of hurricanes, floods, earthquakes, wildfires,

tornadoes and other physical disasters. After the president or the SBA administrator declares a disaster, homeowners, renters and businesses of all size may apply for low-interest SBA disaster loans.

Disaster loans
Physical Disaster Loans – Available for nonfarm businesses of any size and nonprofit organizations. SBA makes loans of up to $1.5 million to repair or replace damaged property, inventory and equipment.

These resources could save you time and money – and even save lives. The more you learn about disaster preparation, the sooner you will be able to get back to business should a disaster occur.

A well-designed supply kit can be invaluable during a disaster. Be sure to plan for the number of employees who may need it.

The American Red Cross recommends that your supply kit include at least the following: 

Though each situation is unique, any business can be better prepared if it plans carefully, puts emergency procedures in place and practices for emergencies of all kinds.

Some things are vital to running your business. And, you need to protect them. Create an all-inclusive disaster plan, update it regularly and keep a copy at an off -site location.

Use this list to get you started thinking about what really makes your business run.

Expect the Unexpected
Prepare your business for disaster
Protecting your business, employees and customers during a time of crisis can make the difference between whether your business reopens its doors or not.

Nationwide Insurance® and the Small Business Administration (SBA) have partnered to make sure business owners like you are properly prepared for and better equipped to handle unexpected business disruptions.

Serious Safety Is Serious Business
The best business insurance is the business insurance that you never need to use.

Nationwide understands that being a good business insurance partner means finding new ways to help you protect your business. Therefore, we have teamed with Cintas, one of the largest uniform and safety equipment suppliers in North America, to help make your workplace safer. You can now purchase first aid supplies, first aid and safety training and workplace safety equipment at a 10% discount.

Loss prevention programs help you anticipate accidents. That sort of risk awareness keeps your business sailing smoothly.  

Making safety a priority is the first step to a safer workplace. The next steps might be to: