Malfunctioning equipment, slippery floors, a ball through a window, even an unexpected mishap when we’ve turned away for just a moment. Accidental injuries and property damage can happen at any time, regardless of your cautious attempts to prevent them. If you are involved with amateur sports teams, own or operate a small business, are an independent contractor or an event coordinator, you need to know more about Specialty Liability general liability insurance programs from Nationwide.