---
title: "Marsh vs Nationwide: Fiduciary Liability Insurance"
description: "Marsh describes typical fiduciary defense and damages coverage while excluding contractual benefit obligations; Nationwide identifies fiduciary liability without plan-specific grants."
canonical: "https://spot.insure/compare/marsh-vs-nationwide/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "marsh-vs-nationwide"
provider-a: "marsh"
provider-b: "nationwide"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-nationwide/fiduciary)

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Marsh 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:**
- [Marsh vs Nationwide](https://spot.insure/compare/marsh-vs-nationwide) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Marsh vs Nationwide Builders Risk Insurance](https://spot.insure/compare/marsh-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Commercial Property Insurance](https://spot.insure/compare/marsh-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Crime Insurance](https://spot.insure/compare/marsh-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Cyber Insurance](https://spot.insure/compare/marsh-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide D&O Insurance](https://spot.insure/compare/marsh-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/marsh-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Management Liability Insurance](https://spot.insure/compare/marsh-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Surety Bonds](https://spot.insure/compare/marsh-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Marsh vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)

# Marsh vs Nationwide: How Do They Compare for Fiduciary Liability Insurance?

Marsh describes typical fiduciary defense and damages coverage while excluding contractual benefit obligations; Nationwide identifies fiduciary liability without plan-specific grants.

## How to Use the Marsh vs Nationwide Fiduciary Liability Insurance Comparison

Use this comparison to evaluate Marsh and Nationwide for Fiduciary Liability 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.

## Marsh vs Nationwide Fiduciary Liability Insurance Summary

Marsh says a typical fiduciary policy covers defense costs and covered damages, judgments, or settlements arising from breach or plan-administration errors, but does not cover contractual liability or guarantee benefits owed. Nationwide’s cited page names fiduciary liability without specifying plan-specific grants. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Is Marsh?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [7](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [8](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [9](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 Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [11](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [12](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## What Are the Key Differences Between Marsh and Nationwide Fiduciary Liability Insurance?

### Liability costs and promised plan benefits

Marsh says a typical fiduciary policy covers defense costs, damages, judgments, and settlements from breach of duty or plan-administration errors, but does not cover contractual liability or guarantee benefits owed under a plan. Nationwide’s cited page names fiduciary liability but does not specify plan-specific grants. Separate a claim about fiduciary conduct from the plan’s underlying benefit obligation and compare the proposed policy language for both. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### Who is covered

Marsh says typical insureds include the sponsor organization, benefit plans, and sponsor directors, officers, or employees serving as fiduciaries. Nationwide’s overview identifies the product without specifying plan-specific grants. Ask Nationwide to identify each insured entity and person in the proposal, then compare that schedule with Marsh’s described structure and the actual issued definitions. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Should You Confirm in Marsh and Nationwide Fiduciary Liability Insurance Quotes?

- Ask Marsh how the form treats benefit obligations, plan affiliates, and individuals serving as fiduciaries. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability")
- Ask Nationwide for covered administration errors, insured-person definitions, and plan-specific grants in the proposed wording. [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## Marsh vs Nationwide Fiduciary Liability Insurance Compared

| Criteria | Marsh Fiduciary Liability Insurance | Nationwide fiduciary (official overview) |
| --- | --- | --- |
| Role in This Line | Marsh's FINPRO (financial and professional) practice places fiduciary liability insurance for retirement plan sponsors and fiduciaries; MMA also lists fiduciary coverage within its executive and professional liability practice. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh fiduciary liability page and MMA executive and professional liability page..) | Nationwide describes offering fiduciary for the audience stated on the cited product page. [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 reviewed pages do not name a specific fiduciary liability insurer. Marsh describes its own role as advising on limit assessment and carrier selection, implying the issuing insurer depends on the placement. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Not publicly disclosed; scope: Fiduciary liability page as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Marsh says a fiduciary liability policy typically insures the sponsor organization, the benefit plans it operates, and plan fiduciaries who are directors, officers or employees of the plan sponsor. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page, Who is covered? FAQ..) | Commercial organizations considering management-liability products; plan eligibility is policy-specific. [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 | Marsh says a fiduciary liability policy typically covers defense costs, damages, judgments and settlements from a fiduciary's breach of duty or from negligence, errors or omissions in administering a benefit plan, but does not cover contractual liability, so it cannot guarantee a plan's obligation to pay benefits due. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page FAQs; illustrative policy description, not a specific policy form..) | The cited product page describes fiduciary liability as a named commercial-liability product; the overview does not specify plan-specific coverage grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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. [10](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..) |
| Risk Services | Marsh says its FINPRO practice helps clients identify red flags in fiduciary controls, builds fiduciary liability programs from limit assessment to carrier selection, and provides claims advocacy to help resolve claims from the outset. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page, Why Marsh section..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [10](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: fiduciary 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 | Marsh describes its claims advocates as helping clients resolve fiduciary liability claims from the onset, without publishing outcome statistics for this line. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page, Why Marsh section..) | Confirm in your quote. |

## Related Pages for Marsh vs Nationwide Fiduciary Liability Insurance

- [Marsh vs Nationwide](https://spot.insure/compare/marsh-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Marsh vs Nationwide Builders Risk Insurance](https://spot.insure/compare/marsh-vs-nationwide/builders-risk)
- [Marsh vs Nationwide Commercial Property Insurance](https://spot.insure/compare/marsh-vs-nationwide/commercial-property)
- [Marsh vs Nationwide Crime Insurance](https://spot.insure/compare/marsh-vs-nationwide/crime)
- [Marsh vs Nationwide Cyber Insurance](https://spot.insure/compare/marsh-vs-nationwide/cyber)
- [Marsh vs Nationwide D&O Insurance](https://spot.insure/compare/marsh-vs-nationwide/directors-officers)
- [Marsh vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-nationwide/employment-practices)
- [Marsh vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/marsh-vs-nationwide/equipment-breakdown)
- [Marsh vs Nationwide Management Liability Insurance](https://spot.insure/compare/marsh-vs-nationwide/management-liability)
- [Marsh vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-nationwide/professional-errors-omissions)
- [Marsh vs Nationwide Surety Bonds](https://spot.insure/compare/marsh-vs-nationwide/surety-bonds)
- [Marsh vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-nationwide/workers-compensation)
- [AIG vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh/fiduciary)
- [AIG vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/fiduciary)
- [Alliance Risk vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/fiduciary)
- [Alliance Risk vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/fiduciary)
- [Aon vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh/fiduciary)
- [Aon vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/fiduciary)

## Sources for Marsh vs Nationwide Fiduciary Liability Insurance

### Sources About Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Fiduciary liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html). Marsh; Protection, Flexibility, Security summary; FAQs: What is covered under a fiduciary liability policy?; What is not covered?; Who is covered?; Why Marsh. Accessed 2026-09-23.
6. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.

### Sources About Nationwide

7. [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.
8. [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.
9. [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.
10. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Fiduciary liability appears as a named product in the commercial-liability product suite.. Accessed 2026-09-30.

### Sources for the Fiduciary Liability Insurance Guide

11. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
12. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
13. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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.

## Marsh Review Scores for 2026

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

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