---
title: "Embroker vs Nationwide: Fiduciary Liability Insurance"
description: "Embroker reports typical annual premiums and advertised limits for fiduciary liability; Nationwide identifies the product but does not specify plan-specific grants."
canonical: "https://spot.insure/compare/embroker-vs-nationwide/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "embroker-vs-nationwide"
provider-a: "embroker"
provider-b: "nationwide"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-nationwide/fiduciary)

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Embroker 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:**
- [Embroker vs Nationwide](https://spot.insure/compare/embroker-vs-nationwide) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Embroker vs Nationwide Business Owner’s Policy](https://spot.insure/compare/embroker-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Commercial Property Insurance](https://spot.insure/compare/embroker-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Crime Insurance](https://spot.insure/compare/embroker-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Cyber Insurance](https://spot.insure/compare/embroker-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide D&O Insurance](https://spot.insure/compare/embroker-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide General Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Management Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Surety Bonds](https://spot.insure/compare/embroker-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/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 Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/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)

# Embroker vs Nationwide: How Do They Compare for Fiduciary Liability Insurance?

Embroker reports typical annual premiums and advertised limits for fiduciary liability; Nationwide identifies the product but does not specify plan-specific grants.

## How to Use the Embroker vs Nationwide Fiduciary Liability Insurance Comparison

Use this comparison to evaluate Embroker 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.

## Embroker vs Nationwide Fiduciary Liability Insurance Summary

Embroker says fiduciary premiums typically range from $500 to $2,500 per year and policies can cover as much as $20 million, with pricing and limits depending on plan assets, requested limit, and service-provider quality. Nationwide’s cited page names fiduciary liability but does not specify plan-specific coverage grants. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Is Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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")

## What Are the Key Differences Between Embroker and Nationwide Fiduciary Liability Insurance?

### Published premium and limit context

Embroker reports typical annual fiduciary premiums of $500 to $2,500 and says policies can cover up to $20 million, driven mainly by plan assets, requested limit, and service-provider quality. The company says actual pricing and limits depend on underwriting. Nationwide’s overview identifies fiduciary liability but does not specify plan-specific coverage grants. Embroker’s broad range is not a like-for-like quote; align plan assets, limits, retentions, policy period, fees, and terms before comparing premiums. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### Plan scenarios and exclusions

Embroker lists administration errors and imprudent investment or service-provider selection as covered scenarios, and identifies exclusions including criminal activity, outside administrators, and failure to fund a plan under ERISA. Nationwide’s cited product page names fiduciary liability without detailing plan-specific grants. Use Embroker’s list to assemble a common scenario set, then ask Nationwide for corresponding insuring clauses and exclusions in its proposed form. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Should You Confirm in Embroker and Nationwide Fiduciary Liability Insurance Quotes?

- Ask Embroker to price the same plan assets and limit and explain the administrator and ERISA-funding exclusions. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")
- Ask Nationwide for its plan-specific grants, exclusions, limits, and retention in the proposed form. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## Embroker vs Nationwide Fiduciary Liability Insurance Compared

| Criteria | Embroker Fiduciary Liability Insurance | Nationwide fiduciary (official overview) |
| --- | --- | --- |
| Role in This Line | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | 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 | Embroker targets companies that provide medical, dental, vision or other benefits, or that offer retirement plans or stock options, and says very small businesses without benefit plans generally don't need the coverage. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page eligibility description; not a guarantee of coverage for a particular business..) | 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 | Embroker lists coverage for errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's not included section..) | 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 | Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting..) | 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 | The reviewed fiduciary liability page does not describe dedicated risk-control or plan-administration review services beyond general references to the Embroker Resource Hub and chat support. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) | Confirm in your quote. |
| How to Apply | Embroker offers an online quote for fiduciary liability through its digital platform. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) | 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..) |

## Related Pages for Embroker vs Nationwide Fiduciary Liability Insurance

- [Embroker vs Nationwide](https://spot.insure/compare/embroker-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.
- [Embroker vs Nationwide Business Owner’s Policy](https://spot.insure/compare/embroker-vs-nationwide/business-owners-policy)
- [Embroker vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-nationwide/commercial-auto)
- [Embroker vs Nationwide Commercial Property Insurance](https://spot.insure/compare/embroker-vs-nationwide/commercial-property)
- [Embroker vs Nationwide Crime Insurance](https://spot.insure/compare/embroker-vs-nationwide/crime)
- [Embroker vs Nationwide Cyber Insurance](https://spot.insure/compare/embroker-vs-nationwide/cyber)
- [Embroker vs Nationwide D&O Insurance](https://spot.insure/compare/embroker-vs-nationwide/directors-officers)
- [Embroker vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/employment-practices)
- [Embroker vs Nationwide General Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/general-liability)
- [Embroker vs Nationwide Management Liability Insurance](https://spot.insure/compare/embroker-vs-nationwide/management-liability)
- [Embroker vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-nationwide/professional-errors-omissions)
- [Embroker vs Nationwide Surety Bonds](https://spot.insure/compare/embroker-vs-nationwide/surety-bonds)
- [Embroker vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-nationwide/workers-compensation)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary)
- [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary)

## Sources for Embroker vs Nationwide Fiduciary Liability Insurance

### Sources About Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23.

### 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. [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.

### Sources for the 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 2026-10-01. 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.

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/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/embroker-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)