--- title: "Liberty Mutual vs Nationwide: Professional Liability (E&O) Insurance" description: "Compare Nationwide’s published E&O description with Liberty Mutual’s physician program listing." canonical: "https://spot.insure/compare/liberty-mutual-vs-nationwide/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "liberty-mutual-vs-nationwide" provider-a: "liberty-mutual" provider-b: "nationwide" coverage-line: "professional-errors-omissions" --- 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/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual and Nationwide for Professional Liability (E&O) 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 Professional Liability (E&O) 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 Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Liberty Mutual or Nationwide? - What does Liberty Mutual or Nationwide publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Liberty Mutual or Nationwide? **Key facts:** - Line: Professional Liability (E&O) 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 2026-10-01. 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 - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 Builders Risk Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs Nationwide: How Do They Compare for Professional Liability (E&O) Insurance? Compare Nationwide’s published E&O description with Liberty Mutual’s physician program listing. ## How to Use the Liberty Mutual vs Nationwide Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Liberty Mutual and Nationwide for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance Summary Nationwide describes E&O for claims alleging errors or omissions in professional services; Liberty Mutual lists a Physicians & Surgeons Professional program marked PL Only. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") ## 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. [4](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [5](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [6](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 Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Liberty Mutual and Nationwide Professional Liability (E&O) Insurance? ### Published E&O descriptions Nationwide’s product page describes E&O for claims alleging errors or omissions in professional services. Liberty Mutual’s specialty directory names a Physicians & Surgeons Professional program marked “PL Only.” These published descriptions do not establish a second distinct, like-for-like difference for the same buyer exposure. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ### Editorial hold: no second supported comparison The source locators do not establish another distinct, like-for-like comparison. This candidate remains on hold pending additional canonical evidence. ## What Should You Confirm in Liberty Mutual and Nationwide Professional Liability (E&O) Insurance Quotes? - Ask Nationwide to show how the proposed form defines professional-service errors and omissions and which exclusions apply. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") - Ask Liberty Mutual’s program administrator whether your physician specialty qualifies for consideration and request the proposed form. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## Liberty Mutual vs Nationwide Professional Liability (E&O) Compared | Criteria | Physicians & Surgeons Professional program | Nationwide professional errors omissions (official overview) | | --- | --- | --- | | Role in This Line | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Nationwide describes offering professional errors omissions for the audience stated on the cited product page. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions 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 | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions 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 listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | The cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions 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. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions 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..) | | 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-solutions/programs/ "Programs") (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. [7](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: professional errors omissions 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 - [Liberty Mutual vs Nationwide](https://spot.insure/compare/liberty-mutual-vs-nationwide): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Liberty Mutual vs Nationwide Builders Risk Insurance](https://spot.insure/compare/liberty-mutual-vs-nationwide/builders-risk) - [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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) - [AIG vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-nationwide/professional-errors-omissions) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) - [Alliance Risk vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/professional-errors-omissions) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) - [Aon vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-nationwide/professional-errors-omissions) ## Sources for Liberty Mutual vs Nationwide ### 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. [Programs](https://business.libertymutual.com/commercial-solutions/programs/). Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue.. Accessed 2026-09-29. ### Sources About Nationwide 4. [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. 5. [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. 6. [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. 7. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; E&O page; professional-services liability and coverage overview.. Accessed 2026-09-30. ### Sources for the Professional Liability (E&O) Insurance Guide 8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 9. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16. Updated 2026-10-01. 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/professional-errors-omissions.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)