---
title: "CNA vs Nationwide: Workers’ Compensation Insurance"
description: "CNA describes a dedicated claims team and prevention resources; Nationwide directs employers to an agent or quote request."
canonical: "https://spot.insure/compare/cna-vs-nationwide/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-nationwide"
provider-a: "cna"
provider-b: "nationwide"
coverage-line: "workers-compensation"
---

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/workers-compensation)

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 D&O Insurance](https://spot.insure/compare/cna-vs-nationwide/directors-officers) — 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)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)

# CNA vs Nationwide: How Do They Compare for Workers’ Compensation Insurance?

CNA describes a dedicated claims team and prevention resources; Nationwide directs employers to an agent or quote request.

## How to Use the CNA vs Nationwide Workers’ Compensation Insurance Comparison

Use this comparison to evaluate CNA and Nationwide for Workers’ Compensation 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 Workers’ Compensation Insurance Summary

CNA reports a dedicated workers’ compensation claims team averaging 20 years’ experience. Nationwide describes coverage for businesses with employees and directs buyers to an agent or quote request. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

## 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 Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between CNA and Nationwide Workers’ Compensation Insurance?

### Claims Detail and Quote Entry

CNA reports a dedicated claims team averaging 20 years of experience and describes return-to-work safety resources. Nationwide directs businesses with employees to an agent or quote request, but does not establish an individual class or state decision in its overview. Ask Nationwide who will issue the quote and how claims are handled; ask CNA how its claims resources can be accessed. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

### Coverage Scope and State Terms

Nationwide describes protection for employees injured or made ill through work, subject to state requirements and policy terms. CNA identifies medical expenses and wage replacement and separately describes prevention and claims-team resources. These high-level descriptions do not settle statutory benefits, employer-liability limits or state-specific endorsements. Employers should compare actual forms and class codes rather than infer equivalent terms from the shared benefit categories. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance")

## What Should You Confirm in CNA and Nationwide Workers’ Compensation Insurance Quotes?

- Ask Nationwide which states, classes and insurer apply, and request its claims contact. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")
- Ask CNA for the state form, class eligibility and claims-service access. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance")

## CNA vs Nationwide Workers’ Compensation Insurance Compared

| Criteria | CNA Workers’ Compensation | Nationwide workers compensation (official overview) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Nationwide describes offering workers compensation for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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 | Confirm in your quote. | Businesses with employees; statutory and state-specific requirements and policy terms control. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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 workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The cited product page describes workers' compensation protection for employees injured or made ill through work, subject to applicable policy and state requirements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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 | Confirm in your 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. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation 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 | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says its dedicated claims team averages 20 years of workers’ compensation experience. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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..) |

## Related Pages for CNA vs Nationwide Workers’ Compensation Insurance

- [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [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 D&O Insurance](https://spot.insure/compare/cna-vs-nationwide/directors-officers)
- [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)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation)
- [Alliance Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/workers-compensation)
- [Alliance Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/workers-compensation)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation)
- [Amelia Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/workers-compensation)

## Sources for CNA vs Nationwide Workers’ Compensation 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. [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation). CNA; Benefits, prevention, 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. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers' compensation page; employee injury and illness coverage overview.. Accessed 2026-09-30.

### Sources for the Workers’ Compensation Insurance Guide

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-10-01. 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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-nationwide/workers-compensation.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)