---
title: "Aon vs Nationwide"
description: "Compare Aon and Nationwide by business role, listed products and how buyers start a quote."
canonical: "https://spot.insure/compare/aon-vs-nationwide"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/aon-vs-nationwide)

# Aon vs Nationwide

Compare Aon and Nationwide by business role, listed products and how buyers start a quote.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

This comparison sets Aon’s and Nationwide’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Aon

Role: Broker.

Broker Spot Score: **6.7/10** (partial score; 70% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Aon UK Limited's FCA number and permissions are company-reported.; No NAIC, NIPR or other state producer search was completed for Aon's U.S. entities beyond the two Texas orders; current status of those Texas licenses was not re-checked.; Aon does not publish a named list of insurers behind its placements, so the network view rests on its concentration statement.; The Central Bank of Ireland, Lloyd's and other state enforcement records were not searched exhaustively.; Placement-specific compensation is not published; only the general categories are.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/aon/reliability).

### Nationwide

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Nationwide company issues a given commercial policy (Nationwide Mutual, Allied, Scottsdale or Nationwide E&S/Specialty) was not established, and AM Best's full member list PDF was not read. No entity-level rating for Scottsdale Insurance Company or Nationwide E&S/Specialty was verified.; AM Best's own site blocked our tool; the A (Excellent) rating rests on a press release copy and Nationwide's annual report.; Ohio Department of Insurance (Nationwide's home regulator) was not searched directly, and the Missouri DOI page returned a rate-limit error.; NAIC's own complaint index page for company 23787 was blocked, so no direct NAIC values were read.; Older Florida consent orders and a 2025 pet-insurance class-action settlement appeared in search but were not opened; no claims-payment timing or denial-rate data was found.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/nationwide/reliability).

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

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





## Coverage Comparison

| Coverage Type | Aon | Nationwide |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [19](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. [17](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. [9](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management "Marine Insurance and Risk Management") | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [19](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. [8](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [20](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [28](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [24](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [26](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [22](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement. [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [27](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [26](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [21](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [26](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [17](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [28](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [26](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [28](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [17](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [26](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [27](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [25](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. [10](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety "Commercial Surety") | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [23](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. [19](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [18](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Aon and Nationwide

### Business Roles and Access to Insurers

For this pair, first decide whether the documented access route fits how you want to buy. Aon’s role evidence is specific to its distribution or underwriting position; Nationwide’s record describes a different business route. Ask who handles your submission, who issues each policy, and who will service changes after binding. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Business Fit and Listed Products

Compare the business segments each company says it serves with your operations, locations and risk profile. A marketed audience can help you choose where to apply, but it does not confirm your eligibility. [4](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

Both provider records list D&O, cyber, EPLI, professional E&O, commercial property. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. Aon also lists kidnap and ransom; Nationwide also lists business owners policies, equipment breakdown, inland marine. These are catalogue differences, not proof that one company excludes a line or that listed products are equivalent. Ask for the proposed forms and schedule side by side. [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Application and Account Service

For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") (Evidence: Company-reported; scope: Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.; verified: 2026-09-29.)

Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [17](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.)

The application facts show different entry points for this pair. A quote request or agent portal is not itself a binder; get the named issuing insurer, quote terms and written effective-date confirmation before relying on coverage. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Managing Changes, Claims, and Renewal

Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") (Evidence: Company-reported; scope: Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.; verified: 2026-09-29.)

Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [29](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)

Ask who owns post-bind policy changes, certificates, claims reporting and renewal outreach. A quote channel does not establish those service steps; compare the contact and timing you receive in writing.

## What to Confirm in Quotes

- Which insurer and legal entity will issue each policy, and where can that exact product be quoted? Catalogue and licensing statements do not answer risk-specific eligibility. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")
- For the shared catalogue labels D&O, cyber, EPLI, professional E&O, commercial property, ask each company for the proposed insurer, form and endorsements; a matching name alone is not a coverage match. Compare limits, retention or deductible, exclusions, retroactive date where relevant, and endorsements; catalogue labels do not establish equivalent protection. [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")
- Ask what the application requires, what underwriting follow-up to expect, and who handles certificates, policy changes and renewal after binding [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Aon | Nationwide |
| --- | --- | --- |
| Business role | Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms "Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms") (Evidence: Company-reported; scope: Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched.; verified: 2026-09-29.) | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [31](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.; verified: 2026-09-29.) |
| Customer focus | Aon markets a dedicated Middle Market practice for mid-sized organizations and says it serves growing businesses across North America. The reviewed page gives no numerical size cutoff and does not establish U.S.-only eligibility; Aon’s broader global client statement describes the parent’s client base, not this practice’s eligibility rules. [4](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [3](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm "Aon plc Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated.; verified: 2026-09-29.) | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") (Evidence: Company-reported; scope: Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.; verified: 2026-09-29.) |
| Application process | For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") (Evidence: Company-reported; scope: Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.; verified: 2026-09-29.) | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [17](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) |
| Servicing and renewals | Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") (Evidence: Company-reported; scope: Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.; verified: 2026-09-29.) | Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [29](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)<br><br>The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. [32](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [29](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Not found in reviewed sources; scope: Only named public pages reviewed 2026-09-29, not policy documents or every account workflow.; verified: 2026-09-29.)<br><br>NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. [33](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance "Nationwide Business Insurance Review 2026 — commercial complaint analysis") (Evidence: Verified; scope: NerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.; verified: 2026-09-29.) |
| Claims assistance | Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages.; verified: 2026-09-29.) | Nationwide says business claims can be reported online, by phone or through an agent and that a claims professional is assigned after submission. Same-day contact is described as an aim, not a guarantee. [30](https://www.nationwide.com/business/insurance/claims/faq/ "Business Insurance Claims FAQ") (Evidence: Company-reported; scope: General company-described commercial claims process; not an independent outcome measure or product-specific administrator map.; verified: 2026-09-29.) |
| Fees and compensation | Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") (Evidence: Company-reported; scope: General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract.; verified: 2026-09-29.) | The reviewed Nationwide commercial marketing and service pages do not disclose agent commission rates or contingent compensation terms. This packet does not establish whether or how an agent is compensated. [15](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [16](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [31](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Not found in reviewed sources; scope: Bounded page review; no producer agreement, quote or commission disclosure reviewed.; verified: 2026-09-29.) |

## Related Reading

- [What Is Aon?](https://spot.insure/insurance-providers/aon)
- [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide)

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## Sources

### [Aon Official Website](https://www.aon.com/)

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
2. [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms). Aon; Lines 120–125: Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries in electronic delivery; insurer is defined as issuer and risk bearer. The passage does not identify a producing entity or insurer for a particular placement. Accessed 2026-09-28.
3. [Aon plc Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm). Aon plc / U.S. Securities and Exchange Commission; Cover lines 23–34: Aon plc is incorporated in Ireland and gives Dublin as principal executive office; lines 261–263: global client breadth; lines 271–273 and segment discussion: company-reported Commercial Risk brokerage and risk-consulting operations. Filing is parent-level evidence, not placement producer, authority or insurer evidence. Accessed 2026-09-29.
4. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
5. [Directors’ and Officers’ (D&O) Liability Insurance](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance). Aon; Lines 135–160: general covered allegations and Side A, B and C scenarios, including public/private differences; lines 171–185: insurer-selection analytics, brokerage/claims-team collaboration and management-liability specialization. Product explanation and company-reported services; not an Aon-issued policy or quote. Accessed 2026-09-29.
6. [Professional Services Practice | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Lines 125–128: global professional-services team and named law, accounting and consulting firm audience; lines 131–147: professional-liability/E&O offering and terminology; lines 151–176: cyber and EPL offerings, including management liability described at lines 158–163 as a partnership program/category; lines 180–189: professional-services P&C listing, including crime, fiduciary, kidnap and ransom, and automobile liability. “Loss Prevention” section (directly inspected passage at lines 209–212) conditions law-firm loss prevention on Aon broking of lawyers’ professional liability. Global practice page; no state-specific placement schedule. Accessed 2026-09-29.
7. [Cyber Risk](https://www.aon.com/en/capabilities/cyber-resilience). Aon; Lines 194–205: cyber risk financing and cyber insurance; lines 206–230: claims advocacy/preparation and third-party incident-response providers, separate client contracts, no performance guarantee, and possible referral remuneration. Company-reported global service description. Accessed 2026-09-29.
8. [Property Risk Management](https://www.aon.com/en/capabilities/risk-management/property-risk-management). Aon; Lines 132–140: property/buildings/contents and possible business-interruption cover, broker team services; lines 148–159: rates, retentions, limits, deductibles, benchmarking and U.S.-available Property Risk Analyzer; lines 161–168: global market access and alternate risk transfer. Tool availability does not establish placement availability or authority by state. Accessed 2026-09-29.
9. [Marine Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management). Aon; Lines 123–126: global marine practice, customer examples and marine claims/risk services; lines 155–175: cargo offerings including project cargo, general cargo, stock throughput, excess storage and freight/logistics. No U.S. placement terms, insurer, limits or state authority specified. Accessed 2026-09-29.
10. [Commercial Surety](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety). Aon; Lines 125–127: commercial surety bond description and three parties; lines 190–210: Aon says it approaches the surety market globally and describes its brokerage support, with offerings depending on jurisdiction; lines 211–222: examples of bond types. Global company marketing; no U.S. producing entity, state authority, issuer or placement terms. Accessed 2026-09-29.
11. [About | Aon](https://www.aon.com/en/about). Aon; Aon’s company overview and Our Capabilities list distinguish Risk Capital from Human Capital and describe group-wide capabilities. General company identity context; not placement, authority or insurer evidence. Accessed 2026-09-28.
12. [Broking and Risk Transfer | Aon](https://www.aon.com/en/capabilities/risk-transfer). Aon; Explore Our Risk Transfer Offerings; Property & Casualty, Specialty, Management Liability and industry listings. Broad catalogue only; not sufficient for a dedicated line record by itself. Accessed 2026-09-28.
13. [Financial and Executive Risks | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/financial-and-executive-risks). Aon; Financial Services Group Overview; D&O, fiduciary, EPL and crime references plus policy design and insurer market knowledge. Broad category/source context; not sufficient by itself to establish a separate U.S. product. Accessed 2026-09-28.
14. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Lines 125–126: global construction practice designing and placing risk solutions; lines 137–156: industry-specific property, casualty, construction professional liability, subcontractor default and construction surety offerings; lines 167–195: global coverage areas explicitly list Builders Risk, general/umbrella/excess liability within construction liability, workers compensation and surety among other categories. These are construction-practice marketing statements; page does not provide U.S. state or placement availability for each line. Accessed 2026-09-29.

### [Nationwide Official Website](https://www.nationwide.com/business/)

15. [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.
16. [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.
17. [Business Owners Policy (BOP Insurance)](https://www.nationwide.com/business/insurance/business-owners-policy-bop/). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29.
18. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29.
19. [Insurance for Inland Marine](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29.
20. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29.
21. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29.
22. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29.
23. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
24. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
25. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29.
26. [Commercial Liability Products](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29.
27. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29.
28. [Commercial Office Space Insurance](https://www.nationwide.com/business/insurance/industries/types/professional-office). Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29.
29. [Business Insurance Member Resources](https://www.nationwide.com/business/insurance/member-resources/). Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29.
30. [Business Insurance Claims FAQ](https://www.nationwide.com/business/insurance/claims/faq/). Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29.
31. [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.
32. [Nationwide Commercial Insurance](https://www.nationwide.com/business/). Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29.
33. [Nationwide Business Insurance Review 2026 — commercial complaint analysis](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance). NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29.

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

## Agent and Developer Resources

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