--- title: "Heffernan Insurance Brokers vs Nationwide: Employment Practices Liability Insurance" description: "Heffernan highlights modular EPL endorsements for wage-and-hour and immigration claims; Nationwide's overview lists employee claims without describing endorsements." canonical: "https://spot.insure/compare/heffernan-vs-nationwide/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "heffernan-vs-nationwide" provider-a: "heffernan" 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/heffernan-vs-nationwide/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers 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 Heffernan Insurance Brokers 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:** - Heffernan Insurance Brokers vs Nationwide for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Nationwide? - What does Heffernan Insurance Brokers 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 Heffernan Insurance Brokers or Nationwide? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers 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:** - [Heffernan Insurance Brokers vs Nationwide](https://spot.insure/compare/heffernan-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 - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [Heffernan Insurance Brokers vs Nationwide Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Crime Insurance](https://spot.insure/compare/heffernan-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Cyber Insurance](https://spot.insure/compare/heffernan-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide General Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Surety Bonds](https://spot.insure/compare/heffernan-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/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) # Heffernan Insurance Brokers vs Nationwide: How Do They Compare for Employment Practices Liability Insurance? Heffernan highlights modular EPL endorsements for wage-and-hour and immigration claims; Nationwide's overview lists employee claims without describing endorsements. ## How to Use the Heffernan Insurance Brokers vs Nationwide Employment Practices Liability Insurance Comparison Use this comparison to evaluate Heffernan Insurance Brokers 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. ## Heffernan Insurance Brokers vs Nationwide Employment Practices Liability Insurance Summary Heffernan advises buyers to request wage-and-hour and immigration endorsements and describes a hammer clause option. Nationwide lists employee-claim examples but no comparable endorsement detail in its overview. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [11](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ## What Is Heffernan Insurance Brokers? Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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. [8](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [9](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [10](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. [12](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [13](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [14](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between Heffernan Insurance Brokers and Nationwide Employment Practices Liability Insurance? ### Endorsements and negotiated terms Heffernan describes EPL as modular and advises buyers to ask for wage-and-hour coverage, an immigration claim endorsement, and a 100% hammer clause, which allocates certain settlement costs when the insured declines an offer. Nationwide’s overview lists wrongful termination, refusal to employ, privacy, and defamation but does not describe these options. Employers with wage or immigration exposures should compare the endorsement wording and limits rather than assume either is included. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [11](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ### Age of the brokerage guidance Heffernan’s article dates its wage-hour sublimit examples to 2016, when it said $100,000 was common and some carriers offered $150,000–$250,000 for additional premium. Nationwide’s overview gives no EPL limit figure. Treat Heffernan’s historical numbers as questions for a current quote, not present market terms; compare today’s offered limits and any wage-hour sublimit directly. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [11](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ## What Should You Confirm in Heffernan Insurance Brokers and Nationwide Employment Practices Liability Insurance Quotes? - Ask Heffernan which endorsements and current wage-hour sublimits are available, and whether the hammer clause is in the proposed form. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") - Ask Nationwide whether it can add wage-hour or immigration protection and provide the specific endorsement wording. [11](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ## Heffernan Insurance Brokers vs Nationwide Employment Practices Liability Compared | Criteria | Heffernan Employment Practices Liability Insurance | Nationwide employment practices (official overview) | | --- | --- | --- | | Role in This Line | Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found..) | Nationwide describes offering employment practices for the audience stated on the cited product page. [11](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 reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Business Insurance Brokerage page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically..) | Businesses seeking protection from employee claims; policy conditions and exclusions control. [11](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 | In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms..) | 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. [11](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 same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today..) | 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. [11](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..) | | How to Apply | The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not found in reviewed sources; scope: Business Insurance Brokerage page as read on 2026-09-23..) | 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. [11](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..) | | Claims Support | Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it..) | Confirm in your quote. | ## Related Pages for Heffernan Insurance Brokers vs Nationwide - [Heffernan Insurance Brokers vs Nationwide](https://spot.insure/compare/heffernan-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. - [Heffernan Insurance Brokers vs Nationwide Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-nationwide/builders-risk) - [Heffernan Insurance Brokers vs Nationwide Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-nationwide/business-owners-policy) - [Heffernan Insurance Brokers vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-nationwide/cargo-transit) - [Heffernan Insurance Brokers vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-nationwide/commercial-auto) - [Heffernan Insurance Brokers vs Nationwide Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-nationwide/commercial-property) - [Heffernan Insurance Brokers vs Nationwide Crime Insurance](https://spot.insure/compare/heffernan-vs-nationwide/crime) - [Heffernan Insurance Brokers vs Nationwide Cyber Insurance](https://spot.insure/compare/heffernan-vs-nationwide/cyber) - [Heffernan Insurance Brokers vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/fiduciary) - [Heffernan Insurance Brokers vs Nationwide General Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/general-liability) - [Heffernan Insurance Brokers vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-nationwide/professional-errors-omissions) - [Heffernan Insurance Brokers vs Nationwide Surety Bonds](https://spot.insure/compare/heffernan-vs-nationwide/surety-bonds) - [Heffernan Insurance Brokers vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-nationwide/workers-compensation) - [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/employment-practices) - [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) - [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices) - [Alliance Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/employment-practices) - [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices) - [Amelia Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/employment-practices) ## Sources for Heffernan Insurance Brokers vs Nationwide ### Sources About Heffernan Insurance Brokers 1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16. 3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23. 4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23. 5. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23. 6. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23. 7. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/). Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23. ### Sources About Nationwide 8. [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. 9. [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. 10. [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. 11. [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 12. [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. 13. [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. 14. [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. ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/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/heffernan-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)