---
title: "AIG vs Nationwide: Builders Risk Insurance"
description: "AIG describes project-specific extensions and risk engineering; Nationwide lists optional debris-removal, earthquake, flood, and business-income endorsements."
canonical: "https://spot.insure/compare/aig-vs-nationwide/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-nationwide"
provider-a: "aig"
provider-b: "nationwide"
coverage-line: "builders-risk"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/aig-vs-nationwide/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of AIG and Nationwide for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about AIG versus Nationwide. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Nationwide for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, AIG or Nationwide?
- What does AIG or Nationwide publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from AIG or Nationwide?

**Key facts:**
- Line: Builders Risk Insurance. Providers: AIG and Nationwide.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Nationwide](https://spot.insure/compare/aig-vs-nationwide) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [AIG vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Cyber Insurance](https://spot.insure/compare/aig-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide General Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Inland Marine Insurance](https://spot.insure/compare/aig-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Management Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line)

# AIG vs Nationwide: How Do They Compare for Builders Risk Insurance?

AIG describes project-specific extensions and risk engineering; Nationwide lists optional debris-removal, earthquake, flood, and business-income endorsements.

## Research Scope and Use

Use this comparison to evaluate AIG and Nationwide for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG illustrates a project standstill and term-extension approach. Nationwide lists builders risk protection for property, materials, and temporary structures, with optional debris removal, earthquake, flood, and business-income endorsements. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Nationwide?

Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [4](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [5](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [6](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## Key Differences in Builders Risk Insurance

### Extensions and Optional Endorsements

AIG describes tailoring a project extension after a standstill. Nationwide lists optional endorsements for debris removal, earthquake, flood, and business income alongside property under construction, materials, and temporary structures. These features answer different questions: ask AIG about the schedule change and ask Nationwide which optional coverages are available and priced for the site. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")

### Risk Services and Submission Route

AIG says its risk engineers can prepare loss-control reports and prevention plans. Nationwide directs buyers to an agent or quote request but does not detail a builders risk engineering service in the reviewed offering. If risk advice matters to the project, ask AIG what work is available and ask Nationwide who would handle risk recommendations and site concerns. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")

## What to Confirm in Builders Risk Insurance Quotes

- Ask Nationwide which of the listed optional endorsements can be added to your quote and ask AIG to specify the terms of any standstill extension. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")
- Request the agent or underwriter who will answer Nationwide coverage questions and the AIG risk-engineering scope. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")
- Compare the underlying forms, values, deductibles, and exclusions rather than endorsement labels alone. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide")

## Offering Details

| Criteria | AIG Builders Risk | Nationwide builders risk (official overview) |
| --- | --- | --- |
| Role in This Line | AIG markets Builders Risk as a construction property insurance solution for single projects and master programs. AIG is the marketing name; the page says products are written or provided by AIG subsidiaries or affiliates and does not identify the issuing company for a particular policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Builders Risk product page and its general legal footer. This establishes AIG’s marketed product and issuer structure, not the insurer on an individual quote, binder or policy..) | Nationwide describes offering builders risk for the audience stated on the cited product page. [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Who It’s For | The page describes solutions for a range of construction projects, including small, mid-sized and complex projects, and says AIG develops domestic, multinational and multi-year arrangements. It also describes customized options for wood-frame structures. These are marketed capabilities, not eligibility guarantees. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Project types and program configurations stated on AIG’s U.S. Builders Risk page. The page does not provide a complete underwriting appetite or state-by-state availability schedule..) | Construction projects through completion; listed ideal risks include commercial/industrial construction and other named industries. [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | AIG describes tailoring project coverage to construction risks and gives an example of arranging coverage for a project standstill and an extension for the expected remaining project term. These examples do not establish that any buyer is entitled to a standstill extension or that it is included in a policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s illustrative Builders Risk marketing examples. The page directs interested buyers to the actual policy for coverage scope, limitations, terms, conditions and exclusions..) | The cited product page describes property under construction, construction materials, and temporary structures, with optional endorsements such as debris removal, earthquake, flood, and business income. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | The reviewed product page does not state a standard policy limit, deductible or retention. AIG says coverage depends on the actual policy language; confirm the applicable amounts and conditions in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Builders Risk marketing page as reviewed on 2026-09-30. No buyer-specific quote, declarations or policy form was reviewed; this is not a finding that such terms are unavailable from AIG..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | AIG says its risk engineers can work with clients on loss-prevention improvements and customized service plans, including loss-control reports. The page describes these as risk services and does not make them policy coverage or a guaranteed loss outcome. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Company-described services on the U.S. Builders Risk page; availability for a particular account is not specified..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Claims Support | AIG states that, after property-damage coverage is confirmed, it promises working funds equal to 50% of its share of the agreed property-damage estimate within seven days. This is AIG’s stated claim-funding service condition; the page does not make it a general claim-payment deadline or establish policy entitlement for every loss. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Conditional company statement on the Builders Risk page. It applies only as described there and remains subject to the actual policy and claim circumstances..) | Confirm in your quote. |

## Full Comparison

- [AIG vs Nationwide](https://spot.insure/compare/aig-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [AIG vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-nationwide/cargo-transit)
- [AIG vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-auto)
- [AIG vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-property)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime)
- [AIG vs Nationwide Cyber Insurance](https://spot.insure/compare/aig-vs-nationwide/cyber)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers)
- [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary)
- [AIG vs Nationwide General Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/general-liability)
- [AIG vs Nationwide Inland Marine Insurance](https://spot.insure/compare/aig-vs-nationwide/inland-marine)
- [AIG vs Nationwide Management Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/management-liability)
- [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/professional-errors-omissions)
- [AIG vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/umbrella-excess)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation)
- [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk)
- [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Builders Risk Insurance](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk). AIG US; ‘Why choose AIG Builders Risk Insurance?’ and ‘AIG Advantage’: lines 242–280, including project scope, tailored solutions, risk engineering and conditional claim-funding statement; policy-language and coverage caveat lines 365–366; legal footer lines 411–415.. Accessed 2026-09-30.

### Nationwide

4. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
5. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
6. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
7. [Get Builder’s Risk Insurance - Nationwide](https://www.nationwide.com/business/insurance/builders-risk/). Nationwide; Additional builder's risk coverage; property under construction, materials, temporary structures, and endorsement examples.. Accessed 2026-09-30.

### Builders Risk Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Nationwide Reviews

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-nationwide/builders-risk.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)