--- title: "Liberty Mutual vs Nationwide: Builders Risk Insurance" description: "Nationwide names debris-removal, earthquake, flood, and business-income options, while Liberty Mutual's overview lists construction property and defers actual terms to the form." canonical: "https://spot.insure/compare/liberty-mutual-vs-nationwide/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "liberty-mutual-vs-nationwide" provider-a: "liberty-mutual" provider-b: "nationwide" coverage-line: "builders-risk" --- 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/liberty-mutual-vs-nationwide/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual and Nationwide for Builders Risk 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 Builders Risk Insurance questions about Liberty Mutual 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:** - Liberty Mutual vs Nationwide for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Liberty Mutual or Nationwide? - What does Liberty Mutual or Nationwide publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Liberty Mutual or Nationwide? **Key facts:** - Line: Builders Risk Insurance. Providers: Liberty Mutual 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:** - [Liberty Mutual vs Nationwide](https://spot.insure/compare/liberty-mutual-vs-nationwide) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [Liberty Mutual vs Nationwide Business Owner’s Policy](https://spot.insure/compare/liberty-mutual-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Management Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aig-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Nationwide Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aon-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs Nationwide: How Do They Compare for Builders Risk Insurance? Nationwide names debris-removal, earthquake, flood, and business-income options, while Liberty Mutual's overview lists construction property and defers actual terms to the form. ## How to Use the Liberty Mutual vs Nationwide Builders Risk Insurance Comparison Use this comparison to evaluate Liberty Mutual and Nationwide for Builders Risk 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. ## Liberty Mutual vs Nationwide Builders Risk Insurance Summary Nationwide lists optional debris-removal, earthquake, flood, and business-income endorsements; Liberty Mutual names materials, labor, temporary structures, and landscaping in its overview. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## 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 Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## What Are the Key Differences Between Liberty Mutual and Nationwide Builders Risk Insurance? ### Optional Extensions and Construction Property Nationwide lists optional debris-removal, earthquake, flood, and business-income endorsements alongside property under construction, materials, and temporary structures. Liberty Mutual's overview instead names materials, labor, construction-management fees, temporary structures, and landscaping materials, with actual protection depending on the selected form. A project exposed to flood or earthquake needs a quote that identifies whether those options are available at its location and states their limits. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") ### Eligibility and Construction Schedule Nationwide describes coverage for construction projects through completion and identifies commercial and industrial construction among its ideal risks. Liberty Mutual addresses contractors and property owners with single projects or portfolios, from buildings to infrastructure. These broad descriptions overlap, so the buyer's project schedule, location, values, and construction type will matter more than the category label alone. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") ## What Should You Confirm in Liberty Mutual and Nationwide Builders Risk Insurance Quotes? - Ask Nationwide whether the listed flood, earthquake, debris-removal, and business-income options are available for your location and what sublimits apply. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") - Ask Liberty Mutual for form-specific terms for the same perils and for landscaping, labor, and temporary structures. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") - Compare each quote's completion trigger, project term, limits, and deductibles against the construction schedule. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") ## Liberty Mutual vs Nationwide Builders Risk Insurance Compared | Criteria | Liberty Mutual Builder’s Risk | Nationwide builders risk (official overview) | | --- | --- | --- | | Role in This Line | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Nationwide describes offering builders risk for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk 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..) | | Who It’s For | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Construction projects through completion; listed ideal risks include commercial/industrial construction and other named industries. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk 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 | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | The cited product page describes property under construction, construction materials, and temporary structures, with optional endorsements such as debris removal, earthquake, flood, and business income. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk 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 | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | 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/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | Risk Services | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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/builders-risk/ "Get Builder’s Risk Insurance - Nationwide") (Evidence: Company-reported; scope: builders risk 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 Liberty Mutual vs Nationwide Builders Risk Insurance - [Liberty Mutual vs Nationwide](https://spot.insure/compare/liberty-mutual-vs-nationwide): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Liberty Mutual vs Nationwide Business Owner’s Policy](https://spot.insure/compare/liberty-mutual-vs-nationwide/business-owners-policy) - [Liberty Mutual vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/cargo-transit) - [Liberty Mutual vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/commercial-auto) - [Liberty Mutual vs Nationwide Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/commercial-property) - [Liberty Mutual vs Nationwide Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/crime) - [Liberty Mutual vs Nationwide Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/cyber) - [Liberty Mutual vs Nationwide D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/directors-officers) - [Liberty Mutual vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/employment-practices) - [Liberty Mutual vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/equipment-breakdown) - [Liberty Mutual vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/fiduciary) - [Liberty Mutual vs Nationwide General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/general-liability) - [Liberty Mutual vs Nationwide Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/inland-marine) - [Liberty Mutual vs Nationwide Management Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/management-liability) - [Liberty Mutual vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/professional-errors-omissions) - [Liberty Mutual vs Nationwide Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-nationwide/surety-bonds) - [Liberty Mutual vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/umbrella-excess) - [Liberty Mutual vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/workers-compensation) - [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) - [AIG vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aig-vs-nationwide/builders-risk) - [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) - [Alliance Risk vs Nationwide Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/builders-risk) - [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) - [Aon vs Nationwide Builders Risk Insurance](https://spot.insure/compare/aon-vs-nationwide/builders-risk) ## Sources for Liberty Mutual vs Nationwide Builders Risk Insurance ### Sources About Liberty Mutual 1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 3. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29. 4. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30. ### 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. [Get Builder’s Risk Insurance - Nationwide](https://www.nationwide.com/business/insurance/builders-risk/). Nationwide; Additional builder's risk coverage; property under construction, materials, temporary structures, and endorsement examples.. Accessed 2026-09-30. ### Sources for the Builders Risk Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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. ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/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/liberty-mutual-vs-nationwide/builders-risk.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)