---
title: "Gallagher vs Nationwide: Fiduciary Liability Insurance"
description: "Gallagher says its practice uses proprietary models to measure fiduciary risk and assist limit selection; Nationwide identifies fiduciary liability without plan-specific grants."
canonical: "https://spot.insure/compare/gallagher-vs-nationwide/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "gallagher-vs-nationwide"
provider-a: "gallagher"
provider-b: "nationwide"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

**Key facts:**
- Line: Fiduciary 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Gallagher vs Nationwide](https://spot.insure/compare/gallagher-vs-nationwide) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-nationwide/employment-practices) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/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)

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

Gallagher says its practice uses proprietary models to measure fiduciary risk and assist limit selection; Nationwide identifies fiduciary liability without plan-specific grants.

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

Use this comparison to evaluate Gallagher 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.

## Gallagher vs Nationwide Fiduciary Liability Insurance Summary

Gallagher says its Executive and Financial Risk practice uses proprietary models to measure fiduciary risk and assist clients in selecting limits. Nationwide’s cited page names fiduciary liability as a commercial-liability product but does not specify plan-specific coverage grants. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## 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 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. [10](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") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

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

### How the limit is considered

Gallagher says its Executive and Financial Risk practice uses proprietary models to measure fiduciary risk and assist clients in selecting limits. Nationwide’s cited page identifies fiduciary liability as a commercial-liability product but does not specify plan-specific coverage grants. Ask Gallagher what plan metrics informed its recommendation and request Nationwide’s limit rationale with the proposed form; compare the reasoning and resulting terms for the same plan. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### Brokerage and proposed insurer

Gallagher says its practice places fiduciary coverage with outside carriers and does not underwrite the policy. Nationwide’s overview describes the fiduciary product but is not a quote or issued policy for a particular plan. Ask each provider to identify the proposed insurer and whether the limit is separate or shared with other management-liability coverage. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

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

- Ask Gallagher which plan information its model uses, who will issue the policy, and how limits are structured. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Nationwide for its proposed carrier, limit rationale, aggregate structure, and plan-specific wording. [9](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## Gallagher vs Nationwide Fiduciary Liability Insurance Compared

| Criteria | Gallagher Fiduciary Liability Insurance | Nationwide fiduciary (official overview) |
| --- | --- | --- |
| Role in This Line | Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; 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 fiduciary for the audience stated on the cited product page. [9](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..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's fiduciary liability 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 targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. [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..) | Commercial organizations considering management-liability products; plan eligibility is policy-specific. [9](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 | Gallagher describes fiduciary liability as protecting a corporation's Employee Retirement Income Security Act (ERISA) fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans for employees and retirees. [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 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. [9](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 | The page does not publish specific fiduciary liability limits or premium ranges beyond describing its proprietary limit-selection models. [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/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 | Gallagher says it has proprietary models to measure fiduciary risk and assist clients in selecting coverage limits. [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..) | 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/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 Gallagher vs Nationwide Fiduciary Liability

- [Gallagher vs Nationwide](https://spot.insure/compare/gallagher-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.
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-nationwide/employment-practices)
- [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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary)
- [Alliance Risk vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/fiduciary)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary)
- [Aon vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/fiduciary)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary)

## Sources for Gallagher vs Nationwide Fiduciary Liability Insurance

### 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; Fiduciary Liability (Pension and Welfare Liability) 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. [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

10. [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.
11. [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.
12. [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.

## 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/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)