---
title: "HUB International vs Nationwide: Commercial Auto Insurance"
description: "HUB lists hired/non-owned, towing, and lease-gap auto options with fleet analytics, while Nationwide describes business-vehicle liability."
canonical: "https://spot.insure/compare/hub-international-vs-nationwide/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-nationwide"
provider-a: "hub-international"
provider-b: "nationwide"
coverage-line: "commercial-auto"
---

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/hub-international-vs-nationwide/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Nationwide for Commercial Auto 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 Commercial Auto Insurance questions about HUB International 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:**
- HUB International vs Nationwide for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, HUB International or Nationwide?
- What does HUB International or Nationwide publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from HUB International or Nationwide?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: HUB International 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:**
- [HUB International vs Nationwide](https://spot.insure/compare/hub-international-vs-nationwide) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [HUB International vs Nationwide Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Cyber Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide D&O Insurance](https://spot.insure/compare/hub-international-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide General Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Management Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Surety Bonds](https://spot.insure/compare/hub-international-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)

# HUB International vs Nationwide: How Do They Compare for Commercial Auto Insurance?

HUB lists hired/non-owned, towing, and lease-gap auto options with fleet analytics, while Nationwide describes business-vehicle liability.

## Research Scope and Use

Use this comparison to evaluate HUB International and Nationwide for Commercial Auto 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.

## Summary

HUB brokers commercial auto and lists transportation, hired/non-owned auto, uninsured/underinsured motorist, medical payments, towing, and lease-gap options with fleet-risk services. Nationwide describes liability for injuries or property damage caused by business vehicles. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide")

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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 Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Auto Options and Fleet Risk Tools

HUB lists long- and short-haul transportation, hired and non-owned auto, uninsured/underinsured motorist, medical payments, towing, and lease-gap options. It says it uses risk analytics to benchmark programs and offers Fleet Risk Management and Workplace Safety Management. Nationwide describes liability for injury or property damage caused by business vehicles, without listing comparable options or fleet services in its overview. A transportation business should ask Nationwide's agent about hired/non-owned and towing terms, then compare HUB's listed services and the actual carrier forms. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide")

### Buyer Profile and Quote Route

HUB positions its brokerage for commercial fleets and transportation businesses and directs prospects to contact a broker; the page does not describe online quoting or binding. Nationwide describes businesses using cars, trucks, vans, and other operational vehicles and also sends buyers to an agent or quote request. Ask both for the vehicle schedule and underwriting information needed, and confirm who will issue and bind the policy. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide")

## What to Confirm in Commercial Auto Insurance Quotes

- Compare hired/non-owned, UM/UIM, medical payments, towing, lease gap, and vehicle physical-damage limits in the offered forms. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide")
- Ask what fleet analytics or workplace-safety services are included and who handles the claim after an accident. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide")

## Offering Details

| Criteria | HUB International Commercial Auto Insurance Brokerage | Nationwide commercial auto (official overview) |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) | Nationwide describes offering commercial auto for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide") (Evidence: Company-reported; scope: commercial auto 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 commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) | Businesses using cars, trucks, vans, and other vehicles in operations, as described on the page. [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide") (Evidence: Company-reported; scope: commercial auto 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 | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | The cited product page describes liability for injuries or property damage a business or its employees may cause while driving business vehicles. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide") (Evidence: Company-reported; scope: commercial auto 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 | Confirm in your quote. | 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/auto/ "Commercial Auto Insurance – Request a Quote – 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 | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) | Confirm in your quote. |
| How to Apply | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 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. [8](https://www.nationwide.com/business/insurance/auto/ "Commercial Auto Insurance – Request a Quote – Nationwide") (Evidence: Company-reported; scope: commercial auto 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..) |

## Full Comparison

- [HUB International vs Nationwide](https://spot.insure/compare/hub-international-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [HUB International vs Nationwide Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-nationwide/builders-risk)
- [HUB International vs Nationwide Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-nationwide/business-owners-policy)
- [HUB International vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cargo-transit)
- [HUB International vs Nationwide Cyber Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cyber)
- [HUB International vs Nationwide D&O Insurance](https://spot.insure/compare/hub-international-vs-nationwide/directors-officers)
- [HUB International vs Nationwide General Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/general-liability)
- [HUB International vs Nationwide Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-nationwide/inland-marine)
- [HUB International vs Nationwide Management Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/management-liability)
- [HUB International vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-nationwide/professional-errors-omissions)
- [HUB International vs Nationwide Surety Bonds](https://spot.insure/compare/hub-international-vs-nationwide/surety-bonds)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto)
- [AIG vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-auto)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto)
- [Alliance Risk vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/commercial-auto)
- [Aon vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-auto)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.

### 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 Auto Insurance – Request a Quote – Nationwide](https://www.nationwide.com/business/insurance/auto/). Nationwide; Commercial auto coverage overview; vehicles used in business operations.. Accessed 2026-09-30.

### Commercial Auto Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
10. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
11. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 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.

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Nationwide Reviews

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/hub-international-vs-nationwide/commercial-auto.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)