---
title: "HUB International vs Nationwide: Workers’ Compensation Insurance"
description: "HUB describes medical care, disability, rehabilitation, partial wage replacement and survivor benefits, plus legal defense for related workplace-injury suits. Nationwide’s summary covers work-related injury or illness subject to state and policy terms without listing benefit categories."
canonical: "https://spot.insure/compare/hub-international-vs-nationwide/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-nationwide"
provider-a: "hub-international"
provider-b: "nationwide"
coverage-line: "workers-compensation"
---

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/workers-compensation)

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation 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
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/employment-practices) — 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)
- [AIG vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)

# HUB International vs Nationwide: How Do They Compare for Workers’ Compensation Insurance?

HUB describes medical care, disability, rehabilitation, partial wage replacement and survivor benefits, plus legal defense for related workplace-injury suits. Nationwide’s summary covers work-related injury or illness subject to state and policy terms without listing benefit categories.

## How to Use the HUB International vs Nationwide Workers’ Compensation Insurance Comparison

Use this comparison to evaluate HUB International and Nationwide for Workers’ Compensation 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 Workers’ Compensation Insurance Summary

HUB describes medical care, disability, rehabilitation, partial wage replacement and survivor benefits, plus legal defense for related workplace-injury suits. Nationwide’s summary covers work-related injury or illness subject to state and policy terms without listing benefit categories. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation 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 Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between HUB International and Nationwide Workers’ Compensation Insurance?

### Coverage and State Rules

HUB describes medical care, disability, rehabilitation, partial wage replacement and survivor benefits, plus legal defense for related workplace-injury suits. Nationwide’s summary covers work-related injury or illness subject to state and policy terms without listing benefit categories. Ask Nationwide’s agent to confirm employer-liability protection and compare state-specific wording with HUB’s explanation. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

### Claims and Classification

HUB says it helps clients address worker misclassification and distinguish employees from contractors; it also notes coverage is required in 49 states and D.C., with Texas not mandating it. Nationwide describes state-specific requirements. Ask both how they classify contractors, owners and remote employees in each state where you operate. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

### Buying and Carrier Roles

HUB brokers the coverage and helps navigate state regulations rather than underwriting it. Nationwide offers agent contact or a quote request. Ask HUB which carriers it would approach and ask Nationwide for the proposed carrier, claim-reporting route, and how its agent supports a multi-state compliance review. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

## What Should You Confirm in HUB International and Nationwide Workers’ Compensation Insurance Quotes?

- Ask HUB International and Nationwide to confirm the issuing carrier, state-specific class codes, owner elections, payroll assumptions, and claims contacts for your workforce. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance")

## HUB International vs Nationwide Workers’ Compensation Compared

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Nationwide workers compensation (official overview) |
| --- | --- | --- |
| Role in This Line | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer..) | Nationwide describes offering workers compensation for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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 workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here..) | Businesses with employees; statutory and state-specific requirements and policy terms control. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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 says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page exclusions list; actual claim outcomes depend on the specific policy and state law..) | The cited product page describes workers' compensation protection for employees injured or made ill through work, subject to applicable policy and state requirements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation 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/workers-compensation/ "Workers’ Compensation 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 describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page misclassification-liability section; a company-reported advisory service..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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/workers-compensation/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: workers compensation marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for 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 Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/employment-practices)
- [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)
- [AIG vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-hub-international/workers-compensation)
- [AIG vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-nationwide/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/workers-compensation)

## 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. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement 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. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers' compensation page; employee injury and illness coverage overview.. Accessed 2026-09-30.

### Sources for the Workers’ Compensation Insurance Guide

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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/workers-compensation.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)