---
title: "Gallagher vs Nationwide: Employment Practices Liability Insurance"
description: "Gallagher uses workforce data, predictive models, and EPL loss databases to advise on limits; Nationwide describes EPL claim examples but no limit-advisory method in its overview."
canonical: "https://spot.insure/compare/gallagher-vs-nationwide/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "gallagher-vs-nationwide"
provider-a: "gallagher"
provider-b: "nationwide"
coverage-line: "employment-practices"
---

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/gallagher-vs-nationwide/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Gallagher 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 Gallagher 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:**
- Gallagher vs Nationwide for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Gallagher or Nationwide?
- What does Gallagher 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 Gallagher or Nationwide?

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

# Gallagher vs Nationwide: How Do They Compare for Employment Practices Liability Insurance?

Gallagher uses workforce data, predictive models, and EPL loss databases to advise on limits; Nationwide describes EPL claim examples but no limit-advisory method in its overview.

## How to Use the Gallagher vs Nationwide Employment Practices Liability Insurance Comparison

Use this comparison to evaluate Gallagher 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.

## Gallagher vs Nationwide Employment Practices Liability Insurance Summary

Gallagher says its EPL practice uses workforce modeling, benchmarking, and historical loss data to guide limits. Nationwide describes employee-claim examples and agent access without a published limit methodology. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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")

## What Are the Key Differences Between Gallagher and Nationwide Employment Practices Liability Insurance?

### How limits are evaluated

Gallagher’s Executive and Financial Risk practice brokers EPL with outside carriers and says its advice uses employee count, workforce mix, operating locations, predictive models, benchmarking, and its EPL and wage-hour loss databases. Nationwide’s overview identifies employee-claim examples but does not describe a limit-selection method. A buyer can compare Gallagher’s advisory process with the limit available in Nationwide’s agent quote, then judge both against the same workforce and claims history. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

### Brokerage advice versus product description

Gallagher places coverage with outside insurers rather than underwriting it; Nationwide’s reviewed page markets EPL and routes prospects to an agent but does not name the policy issuer. That distinction matters when comparing who negotiates wording and who bears the insurance risk. Request the carrier and quoted form from each party before comparing the proposed limit or premium. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## What Should You Confirm in Gallagher and Nationwide Employment Practices Liability Insurance Quotes?

- Ask Gallagher which workforce inputs and loss data inform its recommended limit, and which insurer will issue the policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Nationwide for its issuing insurer, limit options, and the basis for its recommendation. [9](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## Gallagher vs Nationwide Employment Practices Liability Compared

| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Nationwide employment practices (official overview) |
| --- | --- | --- |
| Role in This Line | Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | Confirm in your quote. |
| Who It’s For | Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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 | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | 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 | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | 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 | Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) | 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..) |

## Related Pages for Gallagher vs Nationwide

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

## Sources for Gallagher vs Nationwide

### Sources About Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### Sources About 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.

### Sources for the 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.

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

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