Strong solutions for your clients surety and fidelity needs. STABILITY, EXPERTISE AND COMMITMENT TO SMALL AND MIDDLE MARKET BUSINESSES.
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1 Strong solutions for your clients surety and fidelity needs. STABILITY, EXPERTISE AND COMMITMENT TO SMALL AND MIDDLE MARKET BUSINESSES.
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3 History you can trust. We are proud of our over 50-year history of meeting the needs of our surety and fidelity agents and their clients. We offer you the kind of leadership and expertise to help support your business, as well as a unique underwriting philosophy, a streamlined bond processing system and a wide range of surety and fidelity products. Our operations are headquartered in Des Moines, IA. Our team of over 50 associates serve over 7,000 independent and exclusive agencies in all 50 states. STABILITY Rated A+ (Superior) by A.M. Best Company 1 Long-standing Fortune 100 Company 2 One of the largest insurance and financial services companies in the U.S. Over $190 billion in assets 3 T-Listing in excess of $1.1 billion 3 COMMITMENT Over 50 years bonding experience Developed a Bond Automated System (BAS) that agents can access to issue bonds online in the comfort of their offices; more than 5,000 bonds are available with more being added Offers competitive standard commission program and enhanced income opportunity available for Premier Partner agents 1 A.M. Best, Fortune Magazine, Nationwide Financial Highlights (Unaudited, based on U.S. generally accepted accounting principles ) EXPERTISE Regional contract surety offices in La Mesa, CA; Denver, CO; Harleysville, PA and Des Moines, IA, with multiple field underwriters in various locations throughout the U.S. Teams of relationship-oriented experts with a net worth underwriting philosophy considering personal and business wealth; no strict ratios or working capital requirements Talented professionals with surety backgrounds A deep understanding of your client s business and surety needs Contract surety programs with typical limits of $10 million single job and $20 million aggregate with the ability to accommodate larger programs for qualified accounts Nationwide Surety Starter, an easy-issue credit-based program for requests up to $350,000 and aggregate of $750,000 with minimum financial information Commercial surety team located in Des Moines, IA, serving a wide variety of businesses and industries focusing on ease-of-use and customer service 3 1
4 Businesses we serve. We have extensive experience meeting the bond requirements for a wide variety of businesses. Our bond clients range from contractors and car dealers to mortgage brokers and public officials. This guide helps you better identify potential bond clients by matching bonds with the clients who need them. It is meant to be a general guide, not a comprehensive listing. CONTRACT SURETY Bid, performance, payment, maintenance bonds Subdivision, site improvement Supply CONTRACTORS General contractors Concrete Excavation/site work/utility Electrical Carpentry HVAC/plumbing Masonry Glass/glazing Landscape Sheet metal/roofing COMMERCIAL SURETY AND FIDELITY Attorneys Court Employee dishonesty ERISA Notary public Probate BUSINESS SERVICES BONDS Cleaning services Contractors Dog walkers Home health care providers House sitters CONVENIENCE AND GROCERY STORES Fuel tax Hunting/fishing license sales Lottery retailer subject to state requirements Retail liquor U.S. postal CUSTOMS Air, international and ocean common carriers Container stations and transport Exporters and importers 4
5 DEALERS Auto, boat, implement, trailer, etc. Auctioneer Certificate of title ERISA Motor vehicle dealer FARMERS, AGRICULTURE DEALERS AND OTHER COMMERCIAL AGRIBUSINESSES Breweries Dealer grain, livestock, milk, poultry, etc. Distilled spirits/wineries Ethanol Fuel tax Grain warehouse Packers and stockyards FINANCIAL INSTITUTIONS Court replevin, attachment Lost securities Mortgage broker Notary public INSURANCE AGENTS Agent/broker/producer/adjuster ERISA Mortgage broker dealer Notary public Vehicle title agent NURSING HOMES Employee dishonesty Resident fund/trust accounts PROFESSIONAL OFFICES AND NON-PROFIT ORGANIZATIONS Employee dishonesty ERISA PUBLIC EMPLOYEES Board members, clerks, sheriffs, treasurers, etc. Notary public Public official 5
6 We are always moving forward. While staying close to our roots, we ve spread across the country and now operate in all states with regionally focused underwriting teams. We ve also grown our product offerings to keep pace with the evolving surety industry. More changes will undoubtedly come over the next fifty years. We ll be right there beside you, giving you the customer service, expertise, common sense underwriting and experience you deserve. 6
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9 Solutions with your commercial clients in mind. We write a wide variety of commercial surety and fidelity bonds to satisfy the diverse bond needs of your clients. COMMERCIAL SURETY Commercial surety bonds are generally required by state laws and statutes, and guarantee some aspect of a principal s occupation. A good example is a contractor s license bond, which guarantees the contractor will comply with the required city or state codes. There are many types of commercial surety bonds and we have the expertise and experience to help you and your client get the right one, fast. The following are just a few of the types of commercial bonds we provide: Agriculture dealer Auctioneer Auto dealer Beer and wine distributor tax Brewers Collection agencies Court Customs Fuel tax Home improvement contractor License and permit Lottery Mortgage broker Notary public Probate Public official Title Warehouse FIDELITY BONDS Although most businesses feel their assets are secure, employee theft can and does occur. A fidelity bond should be considered when one or more of your client s employees are entrusted to handle cash or other valuable assets. Fidelity bonds include: Business Services (janitorial bond); good for contractors, janitorial services and dog and house sitters Standard Employee Dishonesty; good for professional offices (doctors, dentists) and non-profit organizations (Boy Scouts and condo associations) ERISA; required by trustees of pension plans 9
10 Quick and easy online access. Our Bond Automated System (BAS), located on the Agent Center, allows you to quickly and easily issue many of your commercial bonds, including ERISA and Business Services. Because bonds are stored electronically, you can print your bonds and powers-of-attorney from your desktop. APPLICATIONS AVAILABLE ON BAS Blanket public official Business services Court ERISA Individual fidelity or individual public official License, permit or miscellaneous Lost securities Probate Special business services And more If you prefer to fax, forward the completed application and once approved, we will prepare your client s bond, complete with power-of-attorney, and will mail or to you. HOW TO BUY A BOND 1. Go to Agent Center > New Business > Surety and Fidelity 2. Click Commercial Bonds 3. Click Buy a Bond 4. Choose Bond Type State (obligee state) Bond Class Bond Category Obligee Company 5. Premium calculation Attorney-in-fact (person signing on behalf of surety company) Effective date (provided by insured) Penalty (coverage amount, in whole dollars) 6. Premium quote This section summarizes previously entered data, and displays premium and commission rate 7. Agent information This section requests important contact information 8. Buy a bond This section requests information on principal, owner, etc. Information requested varies based on bond type 9. Review This section allows you to confirm information before clicking submit 10. Decision NOTE: If the bond you need to purchase isn t available on BAS, notify us and it will be added to the system. If approved, print document set (bond, powerof-attorney) If underwriting is required, we will notify you of the submission status within 24 hours After providing bond to insured, depending on bond type, the insured may need to file bond with obligee 10
11 ATTACH A RIDER This function allows you to make changes to an active bond (any bond having a bond number). Active bonds can be searched either by bond number or applicant name. To attach a rider, follow these steps: 1. Find a bond Select and enter either bond number or applicant name Click Submit 2. View bond Select Action Click Do Action Make necessary changes 3. Submit for approval Address changes are automatically approved All other changes must be approved by underwriting; please allow 24 hours 4. Once approved, print document set rider highlights Only non-premium riders (customer name, bond description) can be attached Premium riders (premium amount, effective date) can only be attached by calling for assistance New information must be entered in the fields where current bond information is located Old information must be entered in rider question fields 11
12 Meet our leadership team. Jeff Cose Associate Vice President Jeff leads the middle market contract and commercial surety and fidelity underwriting teams that primarily service the independent and exclusive Nationwide insurance agents. He oversees underwriting, profitability, marketing and strategy development. Jeff began his career with Nationwide in 2001 as a contract surety bond underwriter and has held various management and leadership roles in the company. Jeff received his BS from Simpson College with majors in accounting and economics and his MBA from Iowa State University with a marketing emphasis. He also earned his Associate in Fidelity & Surety Bonding designation from The Institutes and is a member of the National Association of Independent Sureties (NAIS). Kim Wells Commercial Bond Director Kim was appointed Commercial Bond Director in 2004 after joining Nationwide as an underwriting specialist earlier that same year. With over 35 years of surety industry experience, Kim has held various leadership positions including underwriting manager and assistant vice president over her career. She oversees the Des Moines underwriting and processing operations of the commercial surety division, servicing all states. Kim is accountable for commercial underwriting requirements, profitability and marketing. She is an active member of both the National Association of Independent Sureties (NAIS) and the Surety Association of Iowa. Bill Downing Surety Claims Director Bill has over 25 years of surety industry experience and has served in key surety claims leadership positions before joining Nationwide in Bill is very active in both professional and educational development within the legal and surety industries, best exemplified by co-editing three surety publications: The Law of Probate Bonds, The Law of Motor Vehicle Dealer Bonds and Bad Faith and Unfair Claim Handling Practices Issues. He is a member of the American Bar Association Tort and Insurance Section and a member of the Fidelity & Surety Law Division. Bill is a graduate of Drake University College of Law and DePauw University. 12
13 Guy Tenold Senior Underwriting Consultant Guy is a member of Nationwide s contract surety underwriting team as a Senior Underwriting Consultant. Guy started his surety career in 1987 as a bond underwriter with Merchant s Bonding and was a senior underwriter for Old Republic Surety Company. He joined The Insco Dico Group in 1995 and was most recently an Assistant Vice President/Branch Manager for AmTrust Surety (formerly Insco Dico). Guy earned his Bachelor of Science degree from Iowa State University with an emphasis on Agriculture Business and Finance. He holds his AFSB designation and is a past President of the Iowa Surety Association. 13
14 Financial strength you can count on. Nationwide has again earned the A.M. Best Company s A+ (Superior) rating for sound financial and management practices. The A+ rating is supported by Nationwide s capital strength and policyholder surplus. A.M. Best Company is the leading independent analyst of insurance company operations. NATIONWIDE SURETY AND FIDELITY DIVISION RESULTS DETAILS Direct Written Premium $22.5 million $25.5 million Combined Ratio 65.8% 69.4% Growth 12.9% 13.5% Loss Ratio 5.0% 5.1% FORTUNE 100 COMPANY 1 RATED A+ financial stability by A.M. Best 2 2nd strongest of 16, Reviewed: 10/17/02, Affirmed: 3/19/15 $ 197 BILLION in total assets 3 1 Fortune Magazine, A.M. Best, Nationwide Financial Highlights (Unaudited, based on U.S. generally accepted accounting principles ) 14
15 We are easy to contact. COMMERCIAL BONDS (NON-CONTRACT) PHONE , option 5 FAX bondcomm@nationwide.com Kim Wells Commercial Bond Director wellsk10@nationwide.com Richelle Smith Commercial Bond Manager smitr150@nationwide.com CONTRACT BONDS REGION REGIONAL DIRECTOR PHONE LOCATION DES MOINES Andy Roby andrew.roby@nationwide.com Des Moines, IA ROCKY MOUNTAIN Michael Paez michael.paez@nationwide.com Denver, CO WEST CENTRAL Aaron Jamison aaron.jamison@nationwide.com Des Moines, IA PACIFIC COAST Keith Clements keith.clements@nationwide.com La Mesa, CA SOUTHEAST Spencer Paris spencer.paris@nationwide.com Des Moines, IA MID-ATLANTIC Aaron Jamison aaron.jamison@nationwide.com Harleysville, PA 15
16 CONTACT YOUR REGIONAL OFFICE TODAY. Products underwritten by Nationwide Mutual Insurance Company and affiliated companies. In Florida, products only underwritten by Allied Property and Casualty Company. Home Office: Des Moines, IA. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide, the Nationwide N and the Eagle, Nationwide is on your side and Nationwide Surety Starter are service marks of Nationwide Mutual Insurance Company Nationwide GCO-0314AO.3 (06/16)
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