---
title: "CNA vs Nationwide: D&O Insurance"
description: "CNA’s Epack 3 is designed for private companies; Nationwide describes D&O for businesses and directs prospects to an agent or quote request."
canonical: "https://spot.insure/compare/cna-vs-nationwide/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-nationwide"
provider-a: "cna"
provider-b: "nationwide"
coverage-line: "directors-officers"
---

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/cna-vs-nationwide/directors-officers)

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: CNA 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:**
- [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [CNA vs Nationwide Builders Risk Insurance](https://spot.insure/compare/cna-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Business Owner’s Policy](https://spot.insure/compare/cna-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Commercial Property Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Crime Insurance](https://spot.insure/compare/cna-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Cyber Insurance](https://spot.insure/compare/cna-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide General Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Inland Marine Insurance](https://spot.insure/compare/cna-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Management Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)

# CNA vs Nationwide: How Do They Compare for D&O Insurance?

CNA’s Epack 3 is designed for private companies; Nationwide describes D&O for businesses and directs prospects to an agent or quote request.

## How to Use the CNA vs Nationwide D&O Insurance Comparison

Use this comparison to evaluate CNA and Nationwide for D&O 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.

## CNA vs Nationwide D&O Insurance Summary

CNA’s Epack 3 is designed for private companies; Nationwide describes D&O for businesses and directs prospects to an agent or quote request. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## 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 Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between CNA and Nationwide D&O Insurance?

### Product scope and quote access

Nationwide describes coverage for claims tied to alleged decisions or wrongful acts by directors and officers, subject to the policy. CNA identifies Side A, B and C for private-company D&O. Ask Nationwide which insured parties and entity claims its form covers, then compare those definitions with CNA’s three-part structure. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

### How the Difference Affects Your Placement

Nationwide directs prospects to an agent or quote request but the reviewed page does not establish policy limits or universal eligibility. CNA says Epack 3 can use shared or separate limits and an embedded Side A option. Request Nationwide’s quote-specific schedule and compare the actual limits, retentions and exclusions with CNA. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

## What Should You Confirm in CNA and Nationwide D&O Insurance Quotes?

- Which organizations and board types does Nationwide accept for this D&O product? [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")
- What exact limits and retentions will Nationwide quote, and are they shared across lines? [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

## CNA vs Nationwide D&O Insurance Compared

| Criteria | CNA Epack 3 Private Company D&O | Nationwide directors officers (official overview) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Nationwide describes offering directors officers for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 | CNA states this D&O product is designed for private companies, including small private companies. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. 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/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | 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/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| 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/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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..) |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Confirm in your quote. |

## Related Pages for CNA vs Nationwide D&O Insurance

- [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CNA vs Nationwide Builders Risk Insurance](https://spot.insure/compare/cna-vs-nationwide/builders-risk)
- [CNA vs Nationwide Business Owner’s Policy](https://spot.insure/compare/cna-vs-nationwide/business-owners-policy)
- [CNA vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-nationwide/cargo-transit)
- [CNA vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-auto)
- [CNA vs Nationwide Commercial Property Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-property)
- [CNA vs Nationwide Crime Insurance](https://spot.insure/compare/cna-vs-nationwide/crime)
- [CNA vs Nationwide Cyber Insurance](https://spot.insure/compare/cna-vs-nationwide/cyber)
- [CNA vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/employment-practices)
- [CNA vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-nationwide/equipment-breakdown)
- [CNA vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/fiduciary)
- [CNA vs Nationwide General Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/general-liability)
- [CNA vs Nationwide Inland Marine Insurance](https://spot.insure/compare/cna-vs-nationwide/inland-marine)
- [CNA vs Nationwide Management Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/management-liability)
- [CNA vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-nationwide/professional-errors-omissions)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds)
- [CNA vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/umbrella-excess)
- [CNA vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-nationwide/workers-compensation)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers)
- [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers)
- [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers)

## Sources for CNA vs Nationwide D&O Insurance

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [Private Company Directors & Officers Liability | CNA](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.

### Sources About 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. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide; D&O page; management-liability product and covered exposures.. Accessed 2026-09-30.

### Sources for the D&O Insurance Guide

9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
10. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
11. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

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

## Nationwide Review Scores for 2026

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).

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