---
title: "AIG vs Nationwide: Umbrella and Excess Liability Insurance"
description: "AIG describes lead, mid, and high excess capacity; Nationwide describes umbrella coverage above underlying policies with an agent or quote-request route."
canonical: "https://spot.insure/compare/aig-vs-nationwide/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-nationwide"
provider-a: "aig"
provider-b: "nationwide"
coverage-line: "umbrella-excess"
---

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/umbrella-excess)

## Agent Guide

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

**Key facts:**
- Line: Umbrella and Excess Liability 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 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 Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-kinro/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# AIG vs Nationwide: How Do They Compare for Umbrella and Excess Liability Insurance?

AIG describes lead, mid, and high excess capacity; Nationwide describes umbrella coverage above underlying policies with an agent or quote-request route.

## Research Scope and Use

Use this comparison to evaluate AIG and Nationwide for Umbrella and Excess Liability 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’s excess positions have account-specific structure. Nationwide describes an added liability layer above policies such as general liability or business auto, with terms dependent on the insured’s business and existing coverage. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from 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 Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub") [12](https://kinro.com/products "Products")

## Key Differences in Umbrella and Excess Liability Insurance

### Tower positions and underlying policies

AIG markets admitted and non-admitted capacity for lead umbrella, mid-excess, and high-excess positions. Nationwide describes an additional liability layer above policies such as general liability or business auto. Ask Nationwide which policies it will schedule and AIG where its layer attaches in the tower. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

### Information needed for account review

AIG describes a broad account range but does not state an account-specific appetite or attachment eligibility. Nationwide requests business, policy, loss, and payroll information and directs prospects to an agent or quote request. Prepare those details and ask both how operations, loss history, and underlying limits affect eligibility. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Nationwide which policy and loss details it needs and who issues the quote; ask AIG for the proposed insurer, attachment point, and account appetite decision. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

## Offering Details

| Criteria | AIG Excess Casualty and Lead Umbrella | Nationwide umbrella excess (official overview) |
| --- | --- | --- |
| Role in This Line | AIG markets admitted and non-admitted excess casualty capacity, including lead umbrella, mid-excess and high-excess positions. The legal insurer and structure for a specific tower are account-specific. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Nationwide describes offering umbrella excess for the audience stated on the cited product page. [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide") (Evidence: Company-reported; scope: umbrella excess 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 describes lead umbrella, mid-excess and high-excess placements for a wide range of accounts, including small-business and corporate risks. It does not state an account-specific appetite or attachment eligibility. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty 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..) | Businesses with underlying liability coverage; Nationwide requests business, policy, loss, and payroll information for a quote. [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide") (Evidence: Company-reported; scope: umbrella excess 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 excess liability protection against severe liabilities and lead umbrella placements that may integrate with other casualty lines. The exact underlying policies, attachment points and follow-form terms depend on the placement. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty 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 an added liability layer above underlying policies such as general liability or business auto; the page says terms and quote depend on the insured's business and underlying coverage. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide") (Evidence: Company-reported; scope: umbrella excess 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 | AIG advertises up to $75 million total capacity on an individual-account basis, subject to underwriting. This is not a standard or guaranteed limit for a buyer. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty 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/umbrella-policy/ "Commercial Umbrella Liability Insurance from 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 describes in-house risk experts, claims specialists, litigation-management strategies and integration with domestic and foreign casualty platforms. Those services do not change policy wording. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty 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/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide") (Evidence: Company-reported; scope: umbrella excess 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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [AIG vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aig-vs-nationwide/builders-risk)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess)
- [AIG vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-kinro/umbrella-excess)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess)
- [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess)

## 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. [Excess Casualty Insurance](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty). AIG; Official AIG Excess Casualty page: admitted/non-admitted options, lead umbrella/mid/high excess placements, advertised per-account capacity subject to underwriting, domestic/foreign integration, risk and claims services.. 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. [Commercial Umbrella Liability Insurance from Nationwide](https://www.nationwide.com/business/insurance/umbrella-policy/). Nationwide; How commercial umbrella works; underlying policies and additional-liability layer.. Accessed 2026-09-30.

### Umbrella and Excess Liability Insurance Guide

8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. 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 Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
10. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
12. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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/umbrella-excess.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)