---
title: "Aon vs Nationwide: Umbrella and Excess Liability Insurance"
description: "Aon describes construction project risk advice; Nationwide describes an added liability layer above underlying policies and requests business, policy, loss and payroll details for a quote."
canonical: "https://spot.insure/compare/aon-vs-nationwide/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-nationwide"
provider-a: "aon"
provider-b: "nationwide"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-nationwide/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Aon 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 Aon 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:**
- Aon vs Nationwide for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Aon or Nationwide?
- What does Aon 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 Aon or Nationwide?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Aon 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:**
- [Aon vs Nationwide](https://spot.insure/compare/aon-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
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Aon vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Cyber Insurance](https://spot.insure/compare/aon-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide D&O Insurance](https://spot.insure/compare/aon-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide General Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Management Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-nationwide/workers-compensation) — 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)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-newfront/umbrella-excess) — sibling comparison (other line, or other pair for this line)

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

Aon describes construction project risk advice; Nationwide describes an added liability layer above underlying policies and requests business, policy, loss and payroll details for a quote.

## Research Scope and Use

Use this comparison to evaluate Aon 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

Aon describes construction project risk advice; Nationwide describes an added liability layer above underlying policies and requests business, policy, loss and payroll details for a quote. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [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/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## 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

### Construction Risk Advice and Business Quote Inputs

Aon describes a global construction practice serving contractors, owners and project professionals, including project-specific risk advice. Nationwide describes umbrella/excess for businesses with underlying liability coverage and requests business, policy, loss and payroll information for a quote. A construction buyer can ask whether Nationwide’s quote review addresses the project exposures that Aon says it analyzes. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

### The Layer Above Underlying Policies

Nationwide describes an added liability layer above policies such as general liability or business auto, with terms depending on the business and underlying coverage. Aon lists umbrella and excess as separate construction liability areas but gives no account-specific attachment or limit. Compare both proposals against the same underlying schedule and contract wording rather than relying on a coverage label. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")

### Getting a Proposal

Nationwide directs prospective buyers to an agent or quote request, while Aon describes broking and market access through its construction practice. Neither reviewed record gives an account’s final carrier or terms. Ask who will handle the submission and request the proposed insurer, form and attachment schedule. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [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 underlying policies and loss records it needs and request the proposed attachment terms. [7](https://www.nationwide.com/business/insurance/umbrella-policy/ "Commercial Umbrella Liability Insurance from Nationwide")
- Ask Aon for the carrier and policy form proposed for the specific project. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

## Offering Details

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Nationwide umbrella excess (official overview) |
| --- | --- | --- |
| Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | 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..) |
| Issuing Insurer | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) | Confirm in your quote. |
| Who It’s For | Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | 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 | Aon lists Umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | 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 | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | 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 | Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | 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

- [Aon vs Nationwide](https://spot.insure/compare/aon-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.
- [Aon vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-auto)
- [Aon vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime)
- [Aon vs Nationwide Cyber Insurance](https://spot.insure/compare/aon-vs-nationwide/cyber)
- [Aon vs Nationwide D&O Insurance](https://spot.insure/compare/aon-vs-nationwide/directors-officers)
- [Aon vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/employment-practices)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary)
- [Aon vs Nationwide General Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/general-liability)
- [Aon vs Nationwide Management Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/management-liability)
- [Aon vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-nationwide/workers-compensation)
- [AIG vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/umbrella-excess)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess)
- [Aon vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-newfront/umbrella-excess)

## Sources

### Aon

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. [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.
3. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. 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.

## 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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-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)