--- title: "HUB International vs Nationwide: Employment Practices Liability Insurance" description: "HUB describes attorney-staffed pre-claim wording review and recovery support through ProEx; Nationwide describes employee-claim examples and agent access." canonical: "https://spot.insure/compare/hub-international-vs-nationwide/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "hub-international-vs-nationwide" provider-a: "hub-international" provider-b: "nationwide" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-nationwide/employment-practices) ## Agent Guide **What this page is:** Focused comparison of HUB International and Nationwide for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about 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 Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, HUB International or Nationwide? - What does HUB International or Nationwide publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from HUB International or Nationwide? **Key facts:** - Line: Employment Practices Liability 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 - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — 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 Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Nationwide Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Nationwide Crime Insurance](https://spot.insure/compare/hub-international-vs-nationwide/crime) — 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 Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/fiduciary) — 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) - [HUB International vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) # HUB International vs Nationwide: How Do They Compare for Employment Practices Liability Insurance? HUB describes attorney-staffed pre-claim wording review and recovery support through ProEx; Nationwide describes employee-claim examples and agent access. ## How to Use the HUB International vs Nationwide Employment Practices Liability Insurance Comparison Use this comparison to evaluate HUB International and Nationwide for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Nationwide Employment Practices Liability Insurance Summary HUB’s ProEx Claims & Legal Risks Group includes attorneys who support EPL clients from pre-claim wording review through claim recovery. Nationwide’s overview describes EPL examples but not a claims-support team. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ## 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 Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between HUB International and Nationwide Employment Practices Liability Insurance? ### Claims assistance before and after a loss HUB says its ProEx Claims & Legal Risks Group has attorneys specializing in executive-liability lines, including EPL, and provides support from pre-claim policy-wording review through claim recovery. Nationwide’s public overview describes EPL claim examples and an agent quote route, without detailing a comparable claims group. For an employer that wants help interpreting wording before a dispute, HUB describes a specific advisory path; ask what services apply to your brokerage engagement. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ### Coverage detail versus policy placement Nationwide lists wrongful termination, refusal to employ, invasion of privacy, and defamation as examples. HUB identifies EPL within its ProEx practice but its reviewed page does not describe the policy’s grants or exclusions. The buyer therefore needs to examine HUB’s carrier proposals for claim definitions while asking Nationwide for its issued-form terms; neither summary alone answers how a specific allegation is handled. [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Should You Confirm in HUB International and Nationwide Employment Practices Liability Insurance Quotes? - Ask HUB whether attorney support includes review of your specific proposed EPL wording and how engagement fees are handled. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask Nationwide for its policy’s claims-notice requirements, exclusions, limits, and retention. [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") ## HUB International vs Nationwide Employment Practices Liability Compared | Criteria | HUB International Employment Practices Liability Insurance Brokerage | Nationwide employment practices (official overview) | | --- | --- | --- | | Role in This Line | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL..) | Nationwide describes offering employment practices for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Issuing Insurer | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) | Confirm in your quote. | | Who It’s For | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria..) | Businesses seeking protection from employee claims; policy conditions and exclusions control. [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Coverage Features | HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim..) | The cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations..) | 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/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | Risk Services | HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single EPL engagement..) | Confirm in your quote. | | How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | 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/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Claims Support | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) | Confirm in your quote. | ## Related Pages for HUB International vs Nationwide - [HUB International vs Nationwide](https://spot.insure/compare/hub-international-vs-nationwide): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [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 Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-auto) - [HUB International vs Nationwide Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-property) - [HUB International vs Nationwide Crime Insurance](https://spot.insure/compare/hub-international-vs-nationwide/crime) - [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 Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-nationwide/equipment-breakdown) - [HUB International vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/fiduciary) - [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) - [HUB International vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/umbrella-excess) - [HUB International vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-nationwide/workers-compensation) - [AIG vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/employment-practices) - [AIG vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) - [Alliance Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/employment-practices) - [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices) - [Amelia Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/employment-practices) ## Sources for HUB International vs Nationwide ### Sources About 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. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. 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. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; EPLI page; employment-related claim coverage overview.. Accessed 2026-09-30. ### Sources for the Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## HUB International Review Scores for 2026 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 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/hub-international-vs-nationwide/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)