What is Nationwide Commercial's On Your Side review?
Nationwide built the On Your Side Review around a straightforward premise: your policy was written for the business you had on the day you signed it. That business has almost certainly changed since then.
What is Nationwide's On Your Side Review for commercial policies?
The review is a no-cost, structured conversation, typically conducted annually or after a significant business event, where an agent goes line by line through your commercial coverage. The goal is to surface three things: gaps that have opened as your business grew, limits that are now too low for your actual exposure, and discounts or endorsements you may be eligible for but do not currently carry.
When should a Georgia business schedule an On Your Side Review?
Common triggers that make a review urgent rather than routine include:
- Adding a vehicle or driver to your fleet
- Purchasing equipment, tools, or machinery
- Hiring employees or changing your headcount
- Signing a contract that requires higher liability limits
- Moving to a new location or opening a second one
- Adding a new service line or revenue stream
- Taking on a lease that shifts property responsibility to you
For example, a plumbing contractor who added a second service van and hired two technicians midyear now has fleet, payroll, and class-code changes that the original policy did not anticipate, and a mid-term review is the place to catch those gaps before a claim surfaces them.
What coverage areas does the review examine?
Each business event changes exposure. Your general liability limit, your commercial property value, your hired and non-owned auto coverage, your workers' compensation class codes, all of them can be affected. A policy that was correctly sized twelve months ago may now be under-insured by a meaningful margin.
The review does not require a claim or a renewal to trigger it. An agency can schedule one at any point in your policy term. Most agents recommend doing it annually and immediately after any event from the list above.
Does the On Your Side Review automatically raise your premium?
The review does not automatically raise premiums. Some changes add cost. Others uncover discounts that were not being captured, a safety program, a bundling credit, or a classification correction that was working against you. The outcome of a review is information, not a guaranteed bill increase. For example, a bundling credit or safety-program discount discovered during the review can offset a portion of any premium increase from higher limits, so the net change is often smaller than expected. The process typically takes thirty to sixty minutes and covers your full commercial portfolio, including property, liability, commercial auto, and any specialty lines you carry.
How do you request an On Your Side Review through Olive Cover?
Nationwide Commercial is available through Olive Cover. If your last coverage check was at inception or at your most recent renewal, your current limits may not reflect the business operating today. A coverage review is the place to confirm that, and to catch any gaps before they matter.