---
title: "Liberty Mutual vs Nationwide: Equipment Breakdown Insurance"
description: "Compare how Liberty Mutual and Nationwide structure equipment breakdown insurance coverage, then check the policy form, eligibility, and quote route."
canonical: "https://spot.insure/compare/liberty-mutual-vs-nationwide/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-nationwide"
provider-a: "liberty-mutual"
provider-b: "nationwide"
coverage-line: "equipment-breakdown"
---

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/equipment-breakdown)

## Agent Guide

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

**Key facts:**
- Line: Equipment Breakdown 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
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — 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 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 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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Nationwide: How Do They Compare for Equipment Breakdown Insurance?

Compare how Liberty Mutual and Nationwide structure equipment breakdown insurance coverage, then check the policy form, eligibility, and quote route.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Nationwide for Equipment Breakdown Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Liberty Mutual’s record describes a a business quote route versus reinsurance materials; Nationwide’s reviewed offering gives a distinct route or detail. Check both quoted forms for your business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – 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 Equipment Breakdown Insurance?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [9](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [12](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form")

## Key Differences in Equipment Breakdown Insurance

### A business quote route versus reinsurance materials

Nationwide directs prospective equipment-breakdown customers to an agent or quote request. Liberty Mutual’s reviewed Equipment Re page describes reinsurance, offers a team contact, and does not show a business purchase flow. Ask Nationwide for a quote and Liberty Mutual first for the carrier or broker that can issue coverage to your business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

### Repair costs and downtime terms

Nationwide describes repair or replacement and related business-income or restoration expenses, subject to issued policy terms. Liberty Mutual names breakdown types and says income and extra expenses apply only when included in the base policy. The declarations and endorsements determine whether both proposals address your outage scenario. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

## What to Confirm in Equipment Breakdown Insurance Quotes

- Ask Nationwide for the covered-equipment schedule and restoration period; ask Liberty Mutual for the issuing policy and included downtime terms. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

## Offering Details

| Criteria | Commercial Equipment Breakdown | Nationwide equipment breakdown (official overview) |
| --- | --- | --- |
| Role in This Line | Liberty Mutual Equipment Re describes commercial equipment-breakdown reinsurance and individualized coverages; this page does not establish the placement route for a particular business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Nationwide describes offering equipment breakdown for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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 provides a direct Equipment Re team contact; it does not show an online purchase flow. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Businesses using mechanical/electrical equipment, computers, networks, heating/cooling, or other listed systems. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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 page names electrical, mechanical and pressure-system breakdown examples and resulting business-income and extra expenses only when included in the base policy; it does not establish terms for an individual business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | The cited product page describes repair or replacement costs for covered equipment failures and related business-income or restoration expenses described on the page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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/equipment-breakdown/ "Equipment Breakdown Coverage – 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..) |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | 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/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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

- [Liberty Mutual vs Nationwide](https://spot.insure/compare/liberty-mutual-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered.
- [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 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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown)
- [The Baldwin Group vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/equipment-breakdown)
- [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown)
- [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown)

## Sources

### 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. [Products: Liberty Mutual Equipment Re](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/). Liberty Mutual Business Insurance; ‘Commercial equipment breakdown’ names commercial equipment breakdown and covered electrical/mechanical/pressure-system failure examples; it describes reinsurance and individualized coverage. Do not apply personal service-line products to business buyers.. Accessed 2026-09-29.
4. [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.

### 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. [Equipment Breakdown Coverage – Nationwide](https://www.nationwide.com/business/insurance/equipment-breakdown/). Nationwide; What equipment breakdown covers; events, equipment, repair/replacement and business-income expenses.. Accessed 2026-09-30.

### Equipment Breakdown Insurance Guide

9. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. 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; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
11. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16.
12. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). 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 Reviews

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 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/liberty-mutual-vs-nationwide/equipment-breakdown.md)
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