Business Insurance Claims FAQ – Nationwide

Claims payments are determined by a covered cause of loss, type and extent of damages, and the applicable coverage that was purchased. Following the receipt of a property, auto or general liability claim, a claims professional will review your coverage, investigate the loss and evaluate the damage(s) to determine what the appropriate payment may be under the policy.

For a workers’ compensation claim, the claims professional must first determine whether the claim is covered and eligible for compensation, subject to state regulations. Be sure to immediately report your claim in order to set the claims management process in motion.

For third-party claims in which a claimant is alleging that you’re liable for damage(s), such as a bodily injury or property damage, we’ll evaluate your coverage, investigate any losses, and work toward final determination of the claim outcome (settlement or denial).