---
title: "Berkshire Hathaway Specialty Insurance vs Nationwide: Employment Practices Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance places EPL in a named five-line package; Nationwide describes several employee-claim examples but no fixed limit."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-nationwide"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "nationwide"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/employment-practices)

## Agent Guide

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance 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:**
- [Berkshire Hathaway Specialty Insurance vs Nationwide](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/employment-practices) — 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)

# Berkshire Hathaway Specialty Insurance vs Nationwide: How Do They Compare for Employment Practices Liability Insurance?

Berkshire Hathaway Specialty Insurance places EPL in a named five-line package; Nationwide describes several employee-claim examples but no fixed limit.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Nationwide for Employment Practices 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

Berkshire Hathaway Specialty Insurance lists EPL with D&O, fiduciary, crime, and employed-lawyer insurance in Executive First. Nationwide says its EPL coverage can address employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, while its public overview sets no universal limit or retention. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## 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. [6](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [7](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [8](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 Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [11](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [12](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### Form and Limit Structure

The contrast is package structure versus the claim examples shown. Berkshire Hathaway Specialty Insurance advertises portfolio limits up to $50 million, which may be shared; Nationwide’s overview leaves both capacity and terms to a quote. Employers should request the same limit, retention, and defense-cost basis from each before comparing premiums. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

### Where the Buyer Fits

Nationwide directs buyers to contact an agent or request a quote, while Berkshire Hathaway Specialty Insurance identifies private firms with at least $10 million revenue among Executive First targets. A company’s size and desire to combine management coverages can guide which conversation to start, but the quote must confirm eligibility and state availability. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Nationwide for the insurer, policy form, limit, and retention behind its examples. Ask Berkshire Hathaway Specialty Insurance for a quote showing EPL as a separate line and whether another portfolio claim reduces it. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## Offering Details

| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Nationwide employment practices (official overview) |
| --- | --- | --- |
| Role in This Line | BHSI lists Employment Practices Liability within its Executive First Private Company Portfolio comprehensive form with D&O, fiduciary, Commercial Crime and employed-lawyer insurance. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is portfolio marketing and does not show that EPL must be purchased with every other component..) | Nationwide describes offering employment practices for the audience stated on the cited product page. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote..) | Businesses seeking protection from employee claims; policy conditions and exclusions control. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source identifies the line but does not describe covered allegations, exclusions or terms..) | The cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 | BHSI advertises shared or separate portfolio limits up to $50 million. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: A portfolio-wide maximum is not an EPL limit or a quote..) | 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. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (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 | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder..) | 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. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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

- [Berkshire Hathaway Specialty Insurance vs Nationwide](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Berkshire Hathaway Specialty Insurance vs Nationwide Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/crime)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cyber)
- [Berkshire Hathaway Specialty Insurance vs Nationwide D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Nationwide General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [Aon vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [Aon vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/employment-practices)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30.. Accessed 2026-09-30.

### Nationwide

6. [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.
7. [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.
8. [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.
9. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; EPLI page; employment-related claim coverage overview.. Accessed 2026-09-30.

### Employment Practices Liability Insurance Guide

10. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
11. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
12. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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/berkshire-hathaway-specialty-insurance-vs-nationwide/employment-practices.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)