Send your Nationwide paperwork
Upload each policy and its declarations page. Because product and issuing company vary by state, your Spot team records exactly which Nationwide company and state apply to each.
Maple Street Co.Organized by Spot
Switch from Nationwide
Switching from Nationwide? Compare your options with Spot
Spot reads your Nationwide policies, from business owner’s to inland marine, and takes your submission to market through brokers.
- Declarations page read before any comparison is built
- Inland marine and bonds compared with their own kind
- Nationwide coverage continues until the new policy binds
How it works
We list every line and sub-line
Business owner’s, workers’ compensation, auto, umbrella, inland marine, and any bond or management liability policy are noted separately, so none is dropped from a comparison.
Business owner’s policy
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers get a single submission
Spot prepares your operations and claims history once and works with brokers to approach insurers that write your lines. You hear back through your Slack channel.
# spot-support
AlexMaple Street Co.
Can we explore other brokers for our business owner’s policy?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Decide and bind with support
Proposals line up on deductibles, limits and exclusions. Your Spot team helps you bind one and keeps your policies and certificates together afterward.
AlexMaple Street Co.
Can you help prepare proof of our business owner’s policy?
Certificate of insurance
Maple Street Co.
Ready for your review
Moving from Nationwide
Nationwide markets commercial insurance across small business, agribusiness, middle-market and specialty channels. Policy availability and the issuing insurer vary by product and state. Its catalogue includes business owner’s policies, inland marine, surety bonds and management liability products.
Why businesses consider switching
- 01
Your operations changed
Adding equipment, a new location or farm operations can change which lines and limits make sense.
- 02
Your renewal brought new terms
A new premium or exclusion at renewal is a reason to see what other insurers would write.
- 03
A contract asks for more
Customers and lenders often name particular limits or endorsements.
- 04
You want to manage it differently
Instead of calling an agent each time, some owners want a team to track renewals and requirements with them.
How to switch without a gap
- 01
Ask your agent about the renewal date
Small-business customers often buy through an agent, who knows the term and notice rules.
- 02
Gather proposals while you’re still covered
Give brokers time to quote every line, including any bond or inland marine policy.
- 03
Bind before cancelling
Get written confirmation of the new policy’s effective date and keep the Nationwide policy until you have it.
- 04
Cancel through your agent or business account
Nationwide describes an online account for documents and billing. Ask your agent or check there for how to end each policy, and for any refund.
Coverage to consider
Business owner’s policy
Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Get quotesGeneral liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Get quotesUmbrella and excess liability
Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesProfessional errors and omissions (E&O)
Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotes
Common questions
Why does Spot ask for my declarations page first?
Because Nationwide’s product, issuing insurer and availability vary by state, the declarations page tells us exactly what you hold. We build the comparison from it rather than from a product name.
Can Spot compare inland marine or surety bonds?
Yes. Both are lines your Spot team can add to a submission. A bond guarantees performance and isn’t interchangeable with an insurance policy, so we compare bonds with bonds.
Does Spot work for Nationwide?
No. Spot isn’t affiliated with Nationwide, and the name here only identifies where your coverage is today.
Is it all right to switch mid-term?
It can be, but read your cancellation terms first, and bind the replacement before you send any cancellation request.
Will Spot cut my agent out?
Not unless you choose to. Spot works alongside agents and brokers and takes no commission on any premium.
Related
Get insurance off your to-do list.
Spot reads your Nationwide policies, from business owner’s to inland marine, and takes your submission to market through brokers.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
More guides
- Business owner’s policy: A Buyer’s Guide
- General liability: A Buyer’s Guide
- Commercial property: A Buyer’s Guide
- Workers’ compensation: A Buyer’s Guide
- Commercial auto: A Buyer’s Guide
- Umbrella and excess liability: A Buyer’s Guide
- Cyber liability: A Buyer’s Guide
- Professional errors and omissions (E&O): A Buyer’s Guide