Nationwide Insurance offers versatile commercial coverage including business owners policy BOP, farm insurance, commercial auto insurance, workers compensation insurance, general liability insurance, property coverage, and specialized programs for agriculture, retail, contracting, transportation, restaurants, and manufacturers across the USA.
This central Nationwide hub stores all Nationwide insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Access Nationwide BOP insurance cost, Nationwide farm insurance rates, Nationwide commercial auto insurance, Nationwide workers comp pricing, Nationwide general liability, and agribusiness coverage.
Nationwide Insurance Coverage Portfolio
Nationwide Business Owners Policy (BOP)
Nationwide’s BOP insurance bundles general liability + property + business income with flexible limits up to $3M for retail, office, and service businesses.
BOP Coverage Features:
- GL: $1M occurrence/$2M aggregate
- Property: Replacement cost standard
- Business income: 12 months
- Hired/non-owned auto included
BOP Rates (2026):
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $200K | Retail Store | $45-$95 |
| $400K | Office | $65-$135 |
| $800K | Service Business | $95-$195 |
| $1.5M | Wholesale | $135-$285 |
Nationwide Farm Insurance
Nationwide farm insurance provides comprehensive agribusiness coverage including farm property, liability, equipment, livestock, and commercial auto for farm operations.
Farm Coverage Components:
- Dwelling/farm buildings
- Farm personal property
- Liability: $300K-$2M
- Equipment breakdown
- Livestock mortality
Farm Policy Rates:
| Acreage | Operation | Annual Premium |
|---|---|---|
| 100 acres | Livestock | $2,800-$6,500 |
| 250 acres | Crop | $4,500-$10,500 |
| 500+ acres | Mixed | $9,000-$22,000 |
| Dairy Operation | 100 head | $12,500-$28,000 |
Nationwide Commercial Auto Insurance
Nationwide commercial auto insurance covers business vehicles, farm trucks, delivery vans, and light fleets with cargo and physical damage options.
Auto Coverage Limits:
- Liability: $500K-$1M CSL
- Physical damage
- Motor truck cargo
- Non-owned coverage
Rate Examples:
| Vehicle | Use | Annual Premium |
|---|---|---|
| Pickup Truck | Farm | $1,800-$3,800 |
| Delivery Van | Retail | $2,500-$5,200 |
| Box Truck | Local | $4,200-$8,500 |
| Fleet Discount | 5+ vehicles | 12-25% off |
Nationwide Workers Compensation Insurance
Nationwide workers comp insurance serves agriculture, retail, contracting, and light manufacturing with pay-as-you-go options and safety consulting services.
WC Coverage:
- Medical treatment
- Lost wages (state minimums)
- Rehabilitation
- Employer liability $100K/$500K/$500K
Rates by Payroll:
| Payroll | Industry | Monthly Premium |
|---|---|---|
| $100K | Retail | $300-$700 |
| $250K | Farming | $750-$1,800 |
| $500K | Contracting | $1,500-$3,800 |
| $1M | Manufacturing | $3,000-$7,500 |
Nationwide General Liability Insurance
Nationwide general liability insurance protects against third-party claims with $1M-$5M limits and endorsements for special events, contractors, and retail.
GL Features:
- Premises/operations
- Products/completed ops
- Personal injury
- Contractual liability
Industry Rates:
| NAICS | Business | Monthly Rate |
|---|---|---|
| 111000 | Crop Production | $45-$105 |
| 236118 | Residential Contractors | $75-$175 |
| 445110 | Supermarkets | $95-$225 |
| 541320 | Landscape Architects | $35-$85 |
Nationwide Property Insurance
Nationwide commercial property insurance offers replacement cost coverage for business buildings, equipment, inventory, and improvements/ordinance coverage.
Property Limits:
- Building: Up to $10M
- Business personal property: Unlimited
- Business income: 12 months
- Debris removal 25%
Nationwide Insurance by Industry
Agriculture & Farm Businesses
- Farm bureau insurance company alternatives
- Dairy farm insurance comprehensive coverage
- Farm equipment insurance protection
- Livestock insurance mortality coverage
Retail & Grocery
- Grocery store insurance programs
- Retail insurance store operations
- Convenience store insurance requirements
- Supermarket liability insurance coverage
Construction & Landscaping
- Lawn care insurance cost options
- Landscaping insurance cost breakdown
- Residential contractor insurance coverage
- Tree service insurance near me programs
Restaurants & Hospitality
- Nationwide restaurant insurance coverage
- Catering trailer insurance options
- Food vendor insurance cost analysis
Pet & Animal Businesses
- Pet grooming insurance coverage
- Dog grooming business insurance
- Veterinary liability insurance programs
Nationwide Complete Articles & Guides Hub
Central repository for Nationwide commercial & farm insurance content:
Published Nationwide Guides:
• Nationwide Business Owners Policy (BOP) 2026 Complete Coverage Guide
• Nationwide Farm Insurance: Agriculture & Livestock Programs
• Nationwide Commercial Auto vs State Farm Fleet Insurance Comparison
• Nationwide Workers Compensation for Contractors & Retail
Coming Soon:
• Nationwide Grocery Store & Retail Insurance Packages
• Nationwide Landscaping & Lawn Care Business Coverage
• Nationwide Pet Grooming & Veterinary Insurance Guide
• Nationwide Dairy Farm Insurance Comprehensive Analysis
Nationwide Premium Comparison Chart
Annual Costs for Farm/Retail Businesses (2026):
| Coverage | Nationwide | State Farm | Liberty Mutual | Farm Bureau |
|---|---|---|---|---|
| Workers Comp ($250K) | $3,500 | $3,800 | $4,500 | $3,200 |
| BOP ($1M revenue) | $1,800 | $2,100 | $2,400 | $1,650 |
| Farm Property (250 acres) | $8,500 | N/A | Custom | $7,800 |
| Commercial Auto (Pickup) | $2,800 | $3,200 | $3,800 | $2,500 |
| GL ($1M) | $1,650 | $1,800 | $2,100 | $1,500 |
Nationwide Financial Strength
Strengths:
• AM Best: A+ (Superior)
• Mutual company (policyholder owned)
• Farm insurance market leader
• Nationwide agent network 6,000+ locations
• Strong property catastrophe coverage
Frequently Asked Questions
What is Nationwide BOP insurance cost?
$45-$285 monthly for retail/office/service businesses under $1.5M revenue with GL + property + business income bundled.
Does Nationwide offer farm insurance coverage?
Yes, comprehensive farm property, liability, equipment, livestock, and commercial auto for crop/livestock/dairy operations.
Can Nationwide insure landscaping businesses?
Yes, workers comp, general liability, commercial auto, and equipment coverage for lawn care, tree service, and landscaping contractors.
What commercial auto does Nationwide cover?
Farm trucks, delivery vans, pickup trucks, and light commercial vehicles with cargo and physical damage options.
Does Nationwide provide grocery store insurance?
Yes, property, general liability, workers comp, and product liability for supermarkets, convenience stores, and retail food operations.
How much is Nationwide workers comp insurance?
$1.40-$3.00 per $100 payroll for retail/farming, higher for contracting/manufacturing based on experience and safety record.
What makes Nationwide good for agriculture?
Farm bureau heritage, livestock mortality coverage, equipment breakdown, and agribusiness specialists nationwide.
Does Nationwide offer pet business insurance?
Yes, pet grooming, dog daycare, and veterinary liability coverage with property and business income protection.
Can I bundle Nationwide farm and commercial auto?
Yes, multi-line discounts available for farm property + liability + commercial auto packages.
Obtaining Nationwide Coverage
Process:
- Local Agent – Find Nationwide commercial specialist
- Farm/Risk Profile – Submit operation details and financials
- Multi-Line Review – Bundle BOP + workers comp + auto
- Safety Credits – Apply for loss control discounts
- Policy Servicing – Local agent + online account management
Nationwide Insurance Complete Hub – Updated January 2026. Centralized BOP, farm, commercial auto, workers comp coverage resource for USA agriculture, retail, landscaping, restaurant businesses. Rates based on market analysis.