---
title: "Lockton vs Nationwide"
description: "Compare Lockton and Nationwide by business role, listed products and how buyers start a quote."
canonical: "https://spot.insure/compare/lockton-vs-nationwide"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/lockton-vs-nationwide)

# Lockton vs Nationwide

Compare Lockton and Nationwide by business role, listed products and how buyers start a quote.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

This comparison sets Lockton’s and Nationwide’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [12](https://global.lockton.com/us/en/contact-us "Contact Us") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Lockton

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/lockton/reliability).

### Nationwide

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Nationwide company issues a given commercial policy (Nationwide Mutual, Allied, Scottsdale or Nationwide E&S/Specialty) was not established, and AM Best's full member list PDF was not read. No entity-level rating for Scottsdale Insurance Company or Nationwide E&S/Specialty was verified.; AM Best's own site blocked our tool; the A (Excellent) rating rests on a press release copy and Nationwide's annual report.; Ohio Department of Insurance (Nationwide's home regulator) was not searched directly, and the Missouri DOI page returned a rate-limit error.; NAIC's own complaint index page for company 23787 was blocked, so no direct NAIC values were read.; Older Florida consent orders and a 2025 pet-insurance class-action settlement appeared in search but were not opened; no claims-payment timing or denial-rate data was found.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/nationwide/reliability).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/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).





## Coverage Comparison

| Coverage Type | Lockton | Nationwide |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [27](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. [25](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Lockton arranges cargo insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [27](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Lockton arranges commercial auto insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Lockton arranges commercial property insurance. [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [28](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [36](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Lockton arranges commercial crime insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [32](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Lockton arranges cyber insurance. [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [30](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Lockton arranges directors and officers liability insurance. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://global.lockton.com/us/en/technology "Technology") | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [35](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Lockton arranges employee health and benefits programs. [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Lockton arranges employment practices liability insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [29](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [25](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [36](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Lockton arranges fiduciary liability insurance. [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Lockton arranges general liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [36](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [25](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Lockton arranges key person insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [35](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Lockton arranges product liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Lockton arranges professional errors and omissions insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [33](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Lockton arranges representations and warranties insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Lockton arranges surety bonds. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [31](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. [27](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Lockton arranges umbrella and excess liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Lockton arranges workers’ compensation insurance. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [26](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Lockton and Nationwide

### Business Roles and Access to Insurers

For this pair, first decide whether the documented access route fits how you want to buy. Lockton’s role evidence is specific to its distribution or underwriting position; Nationwide’s record describes a different business route. Ask who handles your submission, who issues each policy, and who will service changes after binding. [1](https://global.lockton.com/us/en "Lockton United States") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Business Fit and Listed Products

Compare the business segments each company says it serves with your operations, locations and risk profile. A marketed audience can help you choose where to apply, but it does not confirm your eligibility. [1](https://global.lockton.com/us/en "Lockton United States") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

Both provider records list cargo, commercial auto, commercial property, crime, cyber. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. Lockton also lists employee health benefits, key person, product liability, representations and warranties; Nationwide also lists builders risk, business owners policies, equipment breakdown, inland marine, management liability. These are catalogue differences, not proof that one company excludes a line or that listed products are equivalent. Ask for the proposed forms and schedule side by side. [2](https://global.lockton.com/us/en/technology "Technology") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Application and Account Service

You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.)

Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [25](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.)

The application facts show different entry points for this pair. A quote request or agent portal is not itself a binder; get the named issuing insurer, quote terms and written effective-date confirmation before relying on coverage. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Managing Changes, Claims, and Renewal

Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [1](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.)

Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [37](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)

Ask who owns post-bind policy changes, certificates, claims reporting and renewal outreach. A quote channel does not establish those service steps; compare the contact and timing you receive in writing.

## What to Confirm in Quotes

- Which insurer and legal entity will issue each policy, and where can that exact product be quoted? Catalogue and licensing statements do not answer risk-specific eligibility. [1](https://global.lockton.com/us/en "Lockton United States") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")
- For the shared catalogue labels cargo, commercial auto, commercial property, crime, cyber, ask each company for the proposed insurer, form and endorsements; a matching name alone is not a coverage match. Compare limits, retention or deductible, exclusions, retroactive date where relevant, and endorsements; catalogue labels do not establish equivalent protection. [2](https://global.lockton.com/us/en/technology "Technology") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")
- Ask what the application requires, what underwriting follow-up to expect, and who handles certificates, policy changes and renewal after binding [12](https://global.lockton.com/us/en/contact-us "Contact Us") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Lockton | Nationwide |
| --- | --- | --- |
| Business role | You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)<br><br>Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)<br><br>Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [39](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.; verified: 2026-09-29.) |
| Customer focus | Technology, hardware, software, internet, medical-device, semiconductor and telecom organizations can ask Lockton about brokerage; public pages give no company-size, funding or revenue minimum. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") (Evidence: Company-reported; scope: Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.; verified: 2026-09-29.) |
| Coverage lines | Technology and private-equity buyers can ask about cyber, D&O, contract review and international programs; Lockton also lists casualty, property, fiduciary, benefits, E&O, crime, EPL, surety, key-person and transaction products. Actual forms, limits and eligibility require a quote. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) | Nationwide lists BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety for small businesses, and separately markets inland marine, builders risk, professional E&O, commercial property, crime, D&O, fiduciary liability and management-liability products. Product listings do not establish that a buyer qualifies or that a named coverage is included in another policy. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [27](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [33](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [28](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [32](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [34](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") (Evidence: Company-reported; scope: Current official U.S. commercial catalogue pages reviewed Sep 29, 2026; not a complete state/class appetite map.; verified: 2026-09-29.) |
| Availability | A Lockton office in California does not prove your policy is available there; the company lists US and California offices, while its terms also contemplate surplus-lines placements. [16](https://global.lockton.com/us/en/offices "Offices - Lockton US") [17](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [18](https://global.lockton.com/offices/usa-los-angeles "Lockton Insurance Brokers - Los Angeles") [19](https://global.lockton.com/offices/usa-irvine "Lockton Insurance Brokers - Irvine") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Office directories and US site. No published state-by-state eligibility matrix was found. California office presence is not treated as California coverage eligibility.; verified: 2026-09-16.) | Nationwide says P&C products may not be offered by all companies or in all states and are subject to underwriting. The reviewed public sources do not establish a complete state-by-state commercial issuer and product matrix. [39](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: General P&C disclosure and pages reviewed here; no all-state licensing or availability audit.; verified: 2026-09-29.) |
| Access to insurers | Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) | Nationwide identifies Nationwide Mutual Insurance Company and affiliates as possible P&C underwriting companies and says each underwriter is responsible for its own products. The reviewed general disclosure does not name the issuer for each commercial product; check the policy and declarations. [39](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: General group disclosure, not a line-, policy- or state-specific insurer crosswalk.; verified: 2026-09-29.) |
| Application process | You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [25](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) |
| Servicing and renewals | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [1](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) | Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [37](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)<br><br>The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. [40](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [37](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Not found in reviewed sources; scope: Only named public pages reviewed 2026-09-29, not policy documents or every account workflow.; verified: 2026-09-29.)<br><br>NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. [41](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance "Nationwide Business Insurance Review 2026 — commercial complaint analysis") (Evidence: Verified; scope: NerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.; verified: 2026-09-29.) |
| Claims assistance | Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. [2](https://global.lockton.com/us/en/technology "Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) | Nationwide says business claims can be reported online, by phone or through an agent and that a claims professional is assigned after submission. Same-day contact is described as an aim, not a guarantee. [38](https://www.nationwide.com/business/insurance/claims/faq/ "Business Insurance Claims FAQ") (Evidence: Company-reported; scope: General company-described commercial claims process; not an independent outcome measure or product-specific administrator map.; verified: 2026-09-29.) |
| Fees and compensation | Request all commissions and fees for your account: Lockton’s terms allow insurer commissions, client fees, contingent/supplemental compensation, insurer service fees, affiliate reinsurance income and finance interest, but publish no standard rates. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) | The reviewed Nationwide commercial marketing and service pages do not disclose agent commission rates or contingent compensation terms. This packet does not establish whether or how an agent is compensated. [23](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [24](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [39](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Not found in reviewed sources; scope: Bounded page review; no producer agreement, quote or commission disclosure reviewed.; verified: 2026-09-29.) |

## Related Reading

- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)
- [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide)

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## Sources

### [Lockton Official Website](https://global.lockton.com/us/en)

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
4. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16.
6. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16.
7. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
8. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
9. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
10. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16.
11. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
12. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
13. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
14. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
15. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
16. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
17. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
18. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
19. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
20. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
21. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
22. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16.

### [Nationwide Official Website](https://www.nationwide.com/business/)

23. [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.
24. [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.
25. [Business Owners Policy (BOP Insurance)](https://www.nationwide.com/business/insurance/business-owners-policy-bop/). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29.
26. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29.
27. [Insurance for Inland Marine](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29.
28. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29.
29. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29.
30. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29.
31. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
32. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
33. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29.
34. [Commercial Liability Products](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29.
35. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29.
36. [Commercial Office Space Insurance](https://www.nationwide.com/business/insurance/industries/types/professional-office). Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29.
37. [Business Insurance Member Resources](https://www.nationwide.com/business/insurance/member-resources/). Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29.
38. [Business Insurance Claims FAQ](https://www.nationwide.com/business/insurance/claims/faq/). Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29.
39. [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.
40. [Nationwide Commercial Insurance](https://www.nationwide.com/business/). Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29.
41. [Nationwide Business Insurance Review 2026 — commercial complaint analysis](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance). NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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