--- title: "The Baldwin Group vs Nationwide: Fiduciary Liability Insurance" description: "Nationwide offers an agent or quote route for fiduciary coverage but leaves plan eligibility and coverage grants to the policy; The Baldwin Group identifies plan sponsors and related exposures." canonical: "https://spot.insure/compare/baldwin-vs-nationwide/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-nationwide" provider-a: "baldwin" provider-b: "nationwide" coverage-line: "fiduciary" --- 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/baldwin-vs-nationwide/fiduciary) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and Nationwide for Fiduciary 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 Fiduciary Liability Insurance questions about The Baldwin Group 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:** - The Baldwin Group vs Nationwide for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, The Baldwin Group or Nationwide? - What does The Baldwin Group or Nationwide publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from The Baldwin Group or Nationwide? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: The Baldwin Group 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:** - [The Baldwin Group vs Nationwide](https://spot.insure/compare/baldwin-vs-nationwide) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [The Baldwin Group vs Nationwide Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Crime Insurance](https://spot.insure/compare/baldwin-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Cyber Insurance](https://spot.insure/compare/baldwin-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide General Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — 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) - [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) — 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) - [The Baldwin Group vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Nationwide: How Do They Compare for Fiduciary Liability Insurance? Nationwide offers an agent or quote route for fiduciary coverage but leaves plan eligibility and coverage grants to the policy; The Baldwin Group identifies plan sponsors and related exposures. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and Nationwide for Fiduciary 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 The Baldwin Group describes claims tied to plan or asset management, while Nationwide’s reviewed overview names fiduciary liability without detailing plan-specific grants. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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. [5](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [6](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [7](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 Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### What the Public Coverage Description Establishes The Baldwin Group describes fiduciary insurance as addressing claims against plan sponsors and fiduciaries for alleged violations in plan or asset management. Nationwide lists fiduciary liability as a commercial-liability product but its reviewed overview does not specify plan-specific coverage grants; its own claim says eligibility depends on the policy. A buyer comparing these routes should ask Nationwide for the form’s treatment of plan administration, investments, and insured fiduciaries, then match Baldwin’s proposed placement to the same scenarios. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") ### Getting a Quote and Setting Terms Nationwide directs prospects to an agent or quote request, while The Baldwin Group describes a brokerage/advisory role without naming an online application path. Neither record publishes a universal fiduciary limit or retention. The quote and issued policy therefore need to supply the figures and insurer that make a comparison possible. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask Nationwide which plan types, fiduciary roles, and claim scenarios its proposed form covers. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") - Ask The Baldwin Group for the proposed carrier, form, per-claim and aggregate limits, and retention. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## Offering Details | Criteria | Baldwin Fiduciary Liability Brokerage and Advisory | Nationwide fiduciary (official overview) | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Fiduciary Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | Nationwide describes offering fiduciary for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 | Baldwin identifies employee-benefit plan sponsors and fiduciaries within its professional and real-estate management-liability discussions. The pages do not state a policy eligibility schedule. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | Commercial organizations considering management-liability products; plan eligibility is policy-specific. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 | Baldwin describes fiduciary insurance as addressing claims against plan sponsors and fiduciaries alleging violations in plan or asset management, and lists fiduciary liability among real-estate management risks. Actual terms are policy-specific. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | The cited product page describes fiduciary liability as a named commercial-liability product; the overview does not specify plan-specific coverage grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | 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. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | 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 | Baldwin describes management-liability program advice and risk assessment for its clients. The public pages do not state account-specific plan review, insurer or claims service terms. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | 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. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 - [The Baldwin Group vs Nationwide](https://spot.insure/compare/baldwin-vs-nationwide): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [The Baldwin Group vs Nationwide Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-nationwide/builders-risk) - [The Baldwin Group vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-nationwide/cargo-transit) - [The Baldwin Group vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-nationwide/commercial-auto) - [The Baldwin Group vs Nationwide Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-nationwide/commercial-property) - [The Baldwin Group vs Nationwide Crime Insurance](https://spot.insure/compare/baldwin-vs-nationwide/crime) - [The Baldwin Group vs Nationwide Cyber Insurance](https://spot.insure/compare/baldwin-vs-nationwide/cyber) - [The Baldwin Group vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/employment-practices) - [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown) - [The Baldwin Group vs Nationwide General Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/general-liability) - [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds) - [The Baldwin Group vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-nationwide/umbrella-excess) - [The Baldwin Group vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-nationwide/workers-compensation) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) - [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary) - [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) - [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary) - [The Baldwin Group vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-beazley/fiduciary) ## Sources ### The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 3. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29.. Accessed 2026-09-30. 4. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29.. Accessed 2026-09-30. ### Nationwide 5. [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. 6. [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. 7. [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. 8. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Fiduciary liability appears as a named product in the commercial-liability product suite.. Accessed 2026-09-30. ### Fiduciary Liability Insurance Guide 9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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. ## The Baldwin Group Reviews Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/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/baldwin-vs-nationwide/fiduciary.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)