---
title: "AIG vs Nationwide: Cargo and Transit Insurance"
description: "AIG describes project, bulk, and international cargo; Nationwide focuses its published cargo offer on goods and merchandise carried by for-hire or private carriers."
canonical: "https://spot.insure/compare/aig-vs-nationwide/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-nationwide"
provider-a: "aig"
provider-b: "nationwide"
coverage-line: "cargo-transit"
---

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/cargo-transit)

## Agent Guide

**What this page is:** Focused comparison of AIG and Nationwide for Cargo and Transit 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 Cargo and Transit 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 Cargo and Transit Insurance: how do they differ?
- Which is better for Cargo and Transit Insurance, AIG or Nationwide?
- What does AIG or Nationwide publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cargo and Transit Insurance from AIG or Nationwide?

**Key facts:**
- Line: Cargo and Transit 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
- [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — 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 Builders Risk Insurance](https://spot.insure/compare/aig-vs-nationwide/builders-risk) — 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 Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-aon/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)

# AIG vs Nationwide: How Do They Compare for Cargo and Transit Insurance?

AIG describes project, bulk, and international cargo; Nationwide focuses its published cargo offer on goods and merchandise carried by for-hire or private carriers.

## Research Scope and Use

Use this comparison to evaluate AIG and Nationwide for Cargo and Transit 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 lists several cargo types and route consultation. Nationwide describes motor-truck cargo for goods in transit and cites collision, theft, and overturn as covered-peril examples, subject to policy wording. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – 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 Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.trade.gov/shipping-options "Shipping Options") [10](https://www.trade.gov/special-documents "Special Documents") [11](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

## Key Differences in Cargo and Transit Insurance

### Cargo Variety and Motor-Truck Transit

AIG lists containerized general cargo, bulk/break-bulk, and project cargo across land, sea, and international borders. Nationwide’s published page describes motor-truck cargo for for-hire or private carriers and businesses moving goods. An exporter whose shipment changes from truck to ocean should ask whether Nationwide’s quote ends at the truck leg and AIG which policy covers the handoff. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

### International Routes and Trucking Perils

Nationwide gives collision, theft, and overturn as examples of covered truck-cargo perils. AIG describes cargo for international transit and a wider set of commodity types, but the reviewed product page does not assign a carrier to a particular quote. Compare covered causes, policy territory, carrier liability, and who insures each leg before binding. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask Nationwide which goods, carrier types, and truck routes its quote covers. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")
- Ask AIG which affiliate and cargo form would insure the international or project shipment. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")
- For multimodal freight, document where truck coverage ends and ocean coverage begins. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

## Offering Details

| Criteria | AIG Ocean Cargo Insurance | Nationwide cargo transit (official overview) |
| --- | --- | --- |
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Nationwide describes offering cargo transit for the audience stated on the cited product page. [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit 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 | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | For-hire or private carriers and businesses moving goods, as described in the cargo section. [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit 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 protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | The cited product page describes motor-truck cargo protection for goods and merchandise while in transit, including covered-peril examples such as collision, theft, or overturn. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit 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 page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | 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/inland-marine/ "Insurance for Inland Marine – 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 lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | 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/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit 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..) |

## Full Comparison

- [AIG vs Nationwide](https://spot.insure/compare/aig-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses.
- [AIG vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aig-vs-nationwide/builders-risk)
- [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 Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit)
- [AIG vs Aon Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-aon/cargo-transit)
- [AIG vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit)
- [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit)

## 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. [Ocean Cargo Insurance](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo). AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat.. 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. [Insurance for Inland Marine – Nationwide](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Motor truck cargo section; goods in transit and covered-peril examples.. Accessed 2026-09-30.

### Cargo and Transit Insurance Guide

8. [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.
9. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
10. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
11. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. 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/cargo-transit.md)
- [Developer resources](https://spot.insure/developers)
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