---
title: "HUB International vs Nationwide: Surety Bonds"
description: "HUB brokers bid, performance, payment and commercial surety bonds and guides underwriting with character, capacity and capital; Nationwide describes bonds by obligation and applicant."
canonical: "https://spot.insure/compare/hub-international-vs-nationwide/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-nationwide"
provider-a: "hub-international"
provider-b: "nationwide"
coverage-line: "surety-bonds"
---

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/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Nationwide for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds 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 Surety Bonds: how do they differ?
- Which is better for Surety Bonds, HUB International or Nationwide?
- What does HUB International or Nationwide publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from HUB International or Nationwide?

**Key facts:**
- Line: Surety Bonds. 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
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — 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 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)
- [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Nationwide Surety Bonds](https://spot.insure/compare/chubb-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)

# HUB International vs Nationwide: How Do They Compare for Surety Bonds?

HUB brokers bid, performance, payment and commercial surety bonds and guides underwriting with character, capacity and capital; Nationwide describes bonds by obligation and applicant.

## Research Scope and Use

Use this comparison to evaluate HUB International and Nationwide for Surety Bonds 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 contract and commercial bonds and says its specialist evaluates character, capacity and capital while guiding applicants through documentation. Nationwide describes commercial surety obligations with form and underwriting based on the obligation and applicant. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds")

## 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 Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [11](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [12](https://www.chubb.com/us-en/surety.html "Surety Bonds") [13](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## Key Differences in Surety Bonds

### Bond Forms and Underwriting Review

HUB brokers bid, performance and payment bonds for contract obligations, plus wage, warranty, maintenance, lien-release and commercial surety bonds. Its eligibility process centers on “three C’s”: character, capacity and capital, with a surety specialist guiding the required documentation. Nationwide describes bonds that guarantee a principal’s financial responsibility or compliance and says form and underwriting depend on the obligation and applicant, without naming this review framework. Applicants can ask HUB which financial and project records it will use and ask Nationwide’s agent what the surety needs for the specific bond. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds")

### Brokerage Role and Application Support

HUB clarifies that it brokers the three-party relationship among principal, obligee and surety rather than acting as the surety, and says a specialist supports the underwriting documentation process. Nationwide’s overview describes commercial surety products and directs buyers to an agent or quote request, but does not outline a specialist documentation workflow. The buyer should identify who is the surety, who will submit the application and how the obligee’s form will be reviewed. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds")

## What to Confirm in Surety Bonds Quotes

- Ask HUB which character, capacity and capital documents it needs, and whether the bond is contract or commercial surety. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")
- Ask Nationwide’s agent who underwrites the bond, what indemnity and financial records are required, and how the form matches the obligation. [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds")
- Confirm the obligee, penal sum, bond wording and claim process before execution. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds")

## Offering Details

| Criteria | HUB International Surety Bonds Brokerage | Nationwide surety bonds (official overview) |
| --- | --- | --- |
| Role in This Line | HUB brokers surety bonds, acting as an intermediary between the contractor buying the bond (principal), the party requiring it (obligee) and the insurance company guaranteeing performance (surety), rather than acting as the surety itself. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Surety bonds product page as read 2026-09-23..) | Nationwide describes offering surety bonds for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 surety bonds page does not name a specific surety company; HUB places bonds with sureties that vary by client and bond type. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Not found in reviewed sources; scope: Checked the surety bonds page on 2026-09-23; no surety company is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB underwrites bond eligibility around what it calls the three C's: character (credit record and business integrity), capacity (skills, experience, equipment and facilities), and capital (financial strength for project costs), and says a surety specialist guides applicants through the required documentation. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision..) | Businesses and principals seeking commercial bonds; bond form and underwriting depend on obligation and applicant. [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 describes contract surety bonds it arranges as including bid bonds that secure a bid submission, performance bonds that guarantee a project is completed per contract, and payment bonds that guarantee subcontractors, laborers and suppliers are paid, plus other bond types such as wage, warranty, maintenance and lien-release bonds. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page bond-type descriptions; the issued bond and its terms control an actual claim..)<br><br>HUB also arranges commercial surety bonds, which it says are primarily required by government entities, financial institutions and private corporations to guard against fraud, theft or illegal conduct. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page commercial-surety description..) | The cited product page describes commercial surety bonds that guarantee a bonded principal's financial responsibility or compliance with stated obligations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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/bonds/ "Commercial Surety Bonds") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | HUB says a surety specialist works with applicants on the documentation and underwriting process needed to obtain a bond, positioning the broker relationship as central to getting bonded. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page application description 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/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [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 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)
- [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Chubb vs Nationwide Surety Bonds](https://spot.insure/compare/chubb-vs-nationwide/surety-bonds)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds)

## 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. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; What is a surety bond?; three-party structure (principal, obligee, surety); Types of surety bonds: bid, performance, payment and other contract surety bonds; Commercial Surety section; Three C's of underwriting: Character, Capacity, Capital; What Do You Need to Get a Surety Bond?. 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 Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Commercial surety bond page; bond types and obligations.. Accessed 2026-09-30.

### Surety Bonds Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
10. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
11. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
12. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
13. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. 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/surety-bonds.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)