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HUB International vs Nationwide

This comparison sets HUB International’s and Nationwide’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. 4,9,8,39

Introduction

Coverage Comparison

CoverageHUB InternationalNationwide
Builders riskListed 10HUB International arranges builders risk insurance.Listed 43Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions.
Business owner’s policyListed 18HUB International arranges business owner’s policies for small and midsized businesses.Listed 41,39Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.
Cargo and transitListed 28,10HUB International arranges cargo insurance.Listed 43Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance.
Commercial autoListed 20HUB International arranges commercial auto insurance.Listed 39,40Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred.
Commercial propertyListed 19HUB International arranges commercial property insurance.Listed 44,52Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.
CrimeListed 21,16HUB International arranges commercial crime insurance.Listed 48,50Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.
Cyber liabilityListed 13,10HUB International arranges cyber insurance.Listed 46,39Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Directors and officersListed 12,10HUB International arranges directors and officers liability insurance.Listed 51,50Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.
Employee health and benefitsListed 30,1HUB International arranges employee health and benefits programs.Not listed
Employment practices liabilityListed 16,10HUB International arranges employment practices liability insurance.Listed 45,50Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
Equipment breakdownListed 29HUB International arranges equipment breakdown insurance.Listed 41,52Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms.
Fidelity bondsListed 16HUB International arranges crime and fidelity coverage through its professional and executive risk practice.Not listed
Fiduciary liabilityListed 22,16HUB International arranges fiduciary liability insurance.Listed 50Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.
General liabilityListed 11HUB International arranges general liability insurance.Listed 52,41Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.
Hired and non-owned autoListed 20HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.Not listed
Key personListed 10HUB International arranges key person life and disability insurance.Not listed
Kidnap and ransomListed 23,16HUB International arranges kidnap and ransom insurance.Not listed
Management liabilityListed 10,16HUB International arranges management liability insurance through its professional and executive risk practice.Listed 50,51Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.
Medical malpracticeListed 25HUB International arranges medical professional liability insurance for health care professionals.Not listed
Product liabilityListed 27HUB International arranges product liability insurance.Not listed
Product recallListed 27HUB International arranges product recall insurance.Not listed
Professional errors and omissions (E&O)Listed 14,15HUB International arranges professional errors and omissions insurance.Listed 49,40Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Representations and warrantiesListed 26HUB International arranges representations and warranties insurance.Not listed
Surety bondsListed 24HUB International arranges surety bonds.Listed 47,39Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy.
Technology errors and omissions (E&O)Listed 10HUB International arranges technology errors and omissions insurance.Not listed
Tools, equipment and inland marineListed 28HUB International arranges inland marine insurance through its marine practice.Listed 43,40Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary.
TruckingListed 20HUB International arranges trucking insurance.Not listed
Umbrella and excess liabilityListed 27HUB International arranges umbrella and excess liability insurance.Listed 39,40Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form.
Virtual care and telehealthListed 31HUB International arranges virtual care insurance for health care organizations.Not listed
Workers’ compensationListed 17HUB International arranges workers’ compensation insurance.Listed 42,39Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

HUB International

Broker

Broker

5.5/ 10

Assessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

HUB International

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]

Read HUB International reviews

Nationwide

7.8/ 10

Review Score

4 rated sources

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.[1][10]

Read Nationwide reviews

Key Differences Between HUB International and Nationwide

Business Roles and Access to Insurers

For this pair, first decide whether the documented access route fits how you want to buy. HUB International’s role evidence is specific to its distribution or underwriting position; Nationwide’s record describes a different business route. Ask who handles your submission, who issues each policy, and who will service changes after binding. 4 39

Business Fit and Listed Products

Compare the business segments each company says it serves with your operations, locations and risk profile. A marketed audience can help you choose where to apply, but it does not confirm your eligibility. 1 39

Both provider records list business owners policies, builders risk, cargo, commercial auto, commercial property. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. HUB International also lists employee health benefits, fidelity bonds, hired non owned auto, key person, kidnap and ransom; Nationwide has no additional listed lines beyond the shared catalogue. These are catalogue differences, not proof that one company excludes a line or that listed products are equivalent. Ask for the proposed forms and schedule side by side. 9 39

Application and Account Service

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 8,11,12,13,10,6Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. 39,41Company-reported. Official small-commercial and BOP pages; no application was submitted or purchase flow completed.

The application facts show different entry points for this pair. A quote request or agent portal is not itself a binder; get the named issuing insurer, quote terms and written effective-date confirmation before relying on coverage. 8 39

Managing Changes, Claims, and Renewal

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 16,33,30Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. 53Company-reported. Company-described account features; access depends on policy/account and does not measure service quality.

Ask who owns post-bind policy changes, certificates, claims reporting and renewal outreach. A quote channel does not establish those service steps; compare the contact and timing you receive in writing.

What to Confirm in Quotes

  • Which insurer and legal entity will issue each policy, and where can that exact product be quoted? Catalogue and licensing statements do not answer risk-specific eligibility. 4 39
  • For the shared catalogue labels business owners policies, builders risk, cargo, commercial auto, commercial property, ask each company for the proposed insurer, form and endorsements; a matching name alone is not a coverage match. Compare limits, retention or deductible, exclusions, retroactive date where relevant, and endorsements; catalogue labels do not establish equivalent protection. 9 39
  • Ask what the application requires, what underwriting follow-up to expect, and who handles certificates, policy changes and renewal after binding 8 39

Compare Services

What each provider documents about the services you may need

CriteriaHUB InternationalNationwide
Business role

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. 4,5,9Company-reported. Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. 4,34,35,36,37Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. 39,40,55Company-reported. Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.

Customer focus

Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. 1,2Company-reported. HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. 10Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. 8Company-reported. HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. 39,40Company-reported. Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.

Coverage lines

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. 9,11,19,17,18,20,13,12,14,15,21,22,23,24,25,28,29,26,27,30,16Company-reported. Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.

Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. 10Company-reported. Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.

Nationwide lists BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety for small businesses, and separately markets inland marine, builders risk, professional E&O, commercial property, crime, D&O, fiduciary liability and management-liability products. Product listings do not establish that a buyer qualifies or that a named coverage is included in another policy. 39,40,43,49,44,48,50Company-reported. Current official U.S. commercial catalogue pages reviewed Sep 29, 2026; not a complete state/class appetite map.

Availability

HUB’s 700+ North American offices and San Francisco locations provide local broker access, but do not establish product availability, insurer or California binding authority. 4,3,1,2Company-reported. Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.

Ask which producer and surplus-lines entity will handle a California account: HUB does not name the entity for its San Francisco offices, while Insureon lists California license 0L09546 for SPG Insurance Solutions, not independently verified. 5,1,35,38Not found in reviewed sources. Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.

Nationwide says P&C products may not be offered by all companies or in all states and are subject to underwriting. The reviewed public sources do not establish a complete state-by-state commercial issuer and product matrix. 55,39Not publicly disclosed. General P&C disclosure and pages reviewed here; no all-state licensing or availability audit.

Access to insurers

Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. 7,19,27,28,16Company-reported. No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.

Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. 34Company-reported. Insureon About Us examples only. Availability varies by product, state and underwriting.

Nationwide identifies Nationwide Mutual Insurance Company and affiliates as possible P&C underwriting companies and says each underwriter is responsible for its own products. The reviewed general disclosure does not name the issuer for each commercial product; check the policy and declarations. 55Company-reported. General group disclosure, not a line-, policy- or state-specific insurer crosswalk.

Application process

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 8,11,12,13,10,6Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. 39,41Company-reported. Official small-commercial and BOP pages; no application was submitted or purchase flow completed.

Servicing and renewals

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 16,33,30Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. 53Company-reported. Company-described account features; access depends on policy/account and does not measure service quality.

The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. 56,39,53Not found in reviewed sources. Only named public pages reviewed 2026-09-29, not policy documents or every account workflow.

NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. 57Verified. NerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.

Claims assistance

HUB says its claims team provides advocacy, dispute support and administration, with 225+ professionals and 24-hour reporting metrics; these are company-reported process claims, not a prediction of how your insurer will handle a loss. 32Company-reported. HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.

Nationwide says business claims can be reported online, by phone or through an agent and that a claims professional is assigned after submission. Same-day contact is described as an aim, not a guarantee. 54Company-reported. General company-described commercial claims process; not an independent outcome measure or product-specific administrator map.

Fees and compensation

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. 7Company-reported. Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

The reviewed Nationwide commercial marketing and service pages do not disclose agent commission rates or contingent compensation terms. This packet does not establish whether or how an agent is compensated. 39,40,55Not found in reviewed sources. Bounded page review; no producer agreement, quote or commission disclosure reviewed.

Sources

HUB International Official Website

  1. Insurance Broker San Francisco. HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
  2. HUB International San Francisco 44 Montgomery Street. HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
  3. California Insurance Brokers. HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
  4. About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
  5. Terms and Conditions. HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
  6. HUB International Privacy Policy. HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
  7. How We Get Paid. HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
  8. Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
  9. Business Insurance Broker Coverage Policy. HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
  10. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
  11. General Liability Insurance Brokers. HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
  12. Directors and Officers (D&O) Liability Insurance Broker. HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
  13. Cyber Insurance. HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
  14. Professional Liability Insurance Brokers. HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
  15. Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
  16. HUB ProEx. HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
  17. Workers' Compensation Insurance Brokers. HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
  18. Business Owners Policy (BOP) Company Coverage. HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
  19. Commercial (Business) Property Insurance Brokers. HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
  20. Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
  21. Crime Insurance Brokers. HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
  22. Fiduciary Liability Insurance Brokers. HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
  23. Kidnap and Ransom Insurance Brokers. HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
  24. Surety Bonds and Surety Bond Insurance for Businesses. HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
  25. Medical Malpractice Insurance Brokers. HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
  26. Mergers & Acquisitions (M&A) Insurance Broker. HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
  27. Comprehensive Casualty Insurance Solutions. HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
  28. Marine Insurance Broker Policy & Coverage. HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
  29. Boiler and Machinery Equipment Insurance Coverage. HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
  30. Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
  31. Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
  32. Insurance Claims Management. HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
  33. Risk Management Information System (RMIS). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
  34. About Insureon. Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
  35. Insurance Licenses by State. Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
  36. Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
  37. About Us | TechInsurance. TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
  38. California Department of Insurance License Status Inquiry. California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

Nationwide Official Website

  1. Small Business Insurance. 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.
  2. Small Business Insurance Solutions for Agents. 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.
  3. Business Owners Policy (BOP Insurance). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29.
  4. Workers’ Compensation Insurance. Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29.
  5. Insurance for Inland Marine. Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29.
  6. Commercial Property Insurance. Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29.
  7. Employment Practices Liability Insurance. Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29.
  8. Cyber Liability & Data Breach Insurance. Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29.
  9. Commercial Surety Bonds. Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
  10. Commercial Crime Insurance. Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
  11. Errors and Omissions Insurance. Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29.
  12. Commercial Liability Products. Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29.
  13. Directors and Officers Liability. Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29.
  14. Commercial Office Space Insurance. Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29.
  15. Business Insurance Member Resources. Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29.
  16. Business Insurance Claims FAQ. Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29.
  17. Terms and Conditions for Nationwide.com. 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.
  18. Nationwide Commercial Insurance. Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29.
  19. Nationwide Business Insurance Review 2026 — commercial complaint analysis. NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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