---
title: "Lockton vs Nationwide: Crime Insurance"
description: "Lockton describes a brokered crime and fidelity program with its own claims team, while Nationwide's overview describes a carrier product without itemized agreements."
canonical: "https://spot.insure/compare/lockton-vs-nationwide/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-nationwide"
provider-a: "lockton"
provider-b: "nationwide"
coverage-line: "crime"
---

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/crime)

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Lockton 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:**
- [Lockton vs Nationwide](https://spot.insure/compare/lockton-vs-nationwide) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Lockton vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Commercial Property Insurance](https://spot.insure/compare/lockton-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Cyber Insurance](https://spot.insure/compare/lockton-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide D&O Insurance](https://spot.insure/compare/lockton-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide General Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Surety Bonds](https://spot.insure/compare/lockton-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Crime Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)

# Lockton vs Nationwide: How Do They Compare for Crime Insurance?

Lockton describes a brokered crime and fidelity program with its own claims team, while Nationwide's overview describes a carrier product without itemized agreements.

## How to Use the Lockton vs Nationwide Crime Insurance Comparison

Use this comparison to evaluate Lockton and Nationwide for Crime 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.

## Lockton vs Nationwide Crime Insurance Summary

Lockton lists the crime claim types its brokered program addresses and a dedicated claims team; Nationwide's overview does not itemize crime coverage. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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 Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Lockton and Nationwide Crime Insurance?

### Brokered program versus product overview

Lockton places crime and fidelity coverage as a brokered program and does not underwrite it [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance"). Nationwide describes crime insurance as a named commercial product without itemized insuring agreements [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide").

### Claims support

Lockton says its Professional & Executive Risk Claims team sits within the broking team and handles Crime and Fidelity claims [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance"). Nationwide's overview describes no claims process, only an agent or quote contact [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide").

### Fraud types named

Lockton lists employee theft, forgery, computer fraud, counterfeit currency and impersonation fraud as claim types [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance"). Nationwide leaves the claim types to the issued policy [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide").

## What Should You Confirm in Lockton and Nationwide Crime Insurance Quotes?

- Which insurers would Lockton approach for crime and fidelity? The page does not name them [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Which social-engineering and computer-fraud agreements appear on Nationwide's form? [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")
- What limits and retentions would each route propose? [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## Lockton vs Nationwide Crime Insurance Compared

| Criteria | Lockton Crime and Fidelity Insurance Brokerage | Nationwide crime (official overview) |
| --- | --- | --- |
| Role in This Line | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) | Nationwide describes offering crime for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The page does not name the insurers Lockton places crime and fidelity coverage with. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: Crime and Fidelity page checked 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) | Commercial organizations considering management-liability products; page describes product options and underwriting review. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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 | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) | The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | 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 | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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..) |
| Claims Support | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation..) | Confirm in your quote. |

## Related Pages for Lockton vs Nationwide Crime Insurance

- [Lockton vs Nationwide](https://spot.insure/compare/lockton-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Lockton vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-nationwide/cargo-transit)
- [Lockton vs Nationwide Commercial Property Insurance](https://spot.insure/compare/lockton-vs-nationwide/commercial-property)
- [Lockton vs Nationwide Cyber Insurance](https://spot.insure/compare/lockton-vs-nationwide/cyber)
- [Lockton vs Nationwide D&O Insurance](https://spot.insure/compare/lockton-vs-nationwide/directors-officers)
- [Lockton vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/employment-practices)
- [Lockton vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/fiduciary)
- [Lockton vs Nationwide General Liability Insurance](https://spot.insure/compare/lockton-vs-nationwide/general-liability)
- [Lockton vs Nationwide Surety Bonds](https://spot.insure/compare/lockton-vs-nationwide/surety-bonds)
- [Lockton vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-nationwide/workers-compensation)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Alliance Risk vs Nationwide Crime Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/crime)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime)

## Sources for Lockton vs Nationwide Crime Insurance

### Sources About Lockton

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. [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.
4. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

### Sources About Nationwide

5. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
6. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
7. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
8. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Crime section; products list within management-liability specialty.. Accessed 2026-09-30.

### Sources for the Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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.

## Lockton Review Scores for 2026

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 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/lockton-vs-nationwide/crime.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)