---
title: "Heffernan Insurance Brokers vs Nationwide: Fiduciary Liability Insurance"
description: "Heffernan lists fiduciary coverage for general businesses and named family-office and financial clients; Nationwide identifies fiduciary liability without plan-specific grants."
canonical: "https://spot.insure/compare/heffernan-vs-nationwide/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "heffernan-vs-nationwide"
provider-a: "heffernan"
provider-b: "nationwide"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

**Key facts:**
- Line: Fiduciary 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 2026-10-01. 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/employment-practices) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/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)

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

Heffernan lists fiduciary coverage for general businesses and named family-office and financial clients; Nationwide identifies fiduciary liability without plan-specific grants.

## How to Use the Heffernan Insurance Brokers vs Nationwide Fiduciary Liability Insurance Comparison

Use this comparison to evaluate Heffernan Insurance Brokers 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.

## Heffernan Insurance Brokers vs Nationwide Fiduciary Liability Insurance Summary

Heffernan lists fiduciary coverage for general business clients and, through its family-office practice, family offices, trustees, trust companies, advisers, private-equity firms, foundations, and financial institutions. Nationwide’s cited page names fiduciary liability but does not specify plan-specific coverage grants. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## 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. [5](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [6](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [7](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

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

### Client segments

Heffernan lists fiduciary coverage for general business clients and separately for family offices, trust companies, trustees, financial advisers, private-equity firms, foundations, and financial institutions. Nationwide’s cited page identifies fiduciary liability as a commercial-liability product but does not specify plan-specific grants. A family office or trustee should ask how the proposed market and policy address its plan structure rather than treating a general product listing as an eligibility decision. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### Risk-management support

Heffernan describes a family-office Risk Management Assessment that inventories structures, assets, and exposures and helps craft strategies and navigate claims. Nationwide’s selected claim concerns its fiduciary product overview and plan-specific grants. Compare Heffernan’s described assessment scope with the services and policy terms attached to the specific Nationwide proposal; the cited records do not establish that either service will address every plan entity. [4](https://www.heffins.com/family-office/ "Family Office") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

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

- Ask Heffernan which specialist will handle the placement and whether the assessment covers each plan and fiduciary entity. [4](https://www.heffins.com/family-office/ "Family Office")
- Ask Nationwide for plan-specific grants, insured-person definitions, and services included with its proposal. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## Heffernan Insurance Brokers vs Nationwide Fiduciary Liability Compared

| Criteria | Heffernan Fiduciary Liability Insurance | Nationwide fiduciary (official overview) |
| --- | --- | --- |
| Role in This Line | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) | Nationwide describes offering fiduciary for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) | Commercial organizations considering management-liability products; plan eligibility is policy-specific. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) | The cited product page describes fiduciary liability as a named commercial-liability product; the overview does not specify plan-specific coverage grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | Neither page publishes a fiduciary-liability limit, retention, or premium range. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; a company-described service, not a measured outcome..) | Confirm in your quote. |
| How to Apply | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for 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 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.
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-nationwide/employment-practices)
- [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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/fiduciary)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary)
- [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary)
- [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary)

## 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. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. Accessed 2026-09-23.

### Sources About Nationwide

5. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
6. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
7. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
8. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Fiduciary liability appears as a named product in the commercial-liability product suite.. Accessed 2026-09-30.

### Sources for the Fiduciary Liability Insurance Guide

9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## 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/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)