---
title: "Marsh vs Nationwide"
description: "Compare Marsh and Nationwide by business role, listed products and how buyers start a quote."
canonical: "https://spot.insure/compare/marsh-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/marsh-vs-nationwide)

# Marsh vs Nationwide

Compare Marsh 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 Marsh’s and Nationwide’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [33](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.

### Marsh

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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/marsh/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).

## Marsh Reviews

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 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 | Marsh | Nationwide |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance. [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [37](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. [35](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [37](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance. [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [38](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [46](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [42](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [44](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Marsh arranges cyber insurance. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [40](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Marsh arranges directors and officers liability insurance. [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [45](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [44](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: Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs. [29](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [22](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Marsh arranges employment practices liability insurance. [12](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [39](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [44](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Marsh arranges equipment breakdown insurance, including for data centers. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [35](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [46](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [44](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Marsh arranges general liability insurance, including for data centers. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [46](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [35](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Marsh arranges management liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [14](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [44](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [45](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") |
| [Media liability](https://spot.insure/coverage/media) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Marsh arranges professional errors and omissions insurance. [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [43](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [41](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Marsh arranges technology errors and omissions insurance. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | Not listed |
| [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. [37](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance. [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [36](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [33](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 Marsh and Nationwide

### Business Roles and Access to Insurers

For this pair, first decide whether the documented access route fits how you want to buy. Marsh’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. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](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://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

Both provider records list builders risk, commercial property, crime, cyber, D&O. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. Marsh also lists employee health benefits, fidelity bonds, intellectual-property, kidnap and ransom, media liability; Nationwide also lists business owners policies, cargo, commercial auto, inland marine, umbrella. 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. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Application and Account Service

The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [16](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [21](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [35](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. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

### Managing Changes, Claims, and Renewal

Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.; 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. [47](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. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")
- For the shared catalogue labels builders risk, commercial property, crime, cyber, D&O, 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. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [33](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 [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Marsh | Nationwide |
| --- | --- | --- |
| Business role | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)<br><br>Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [31](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [49](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 | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](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 | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)<br><br>Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [12](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [14](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL.; verified: 2026-09-16.)<br><br>MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [28](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [29](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [37](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [43](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [38](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [42](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [44](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 | Marsh markets services in 130 countries. MMA is described as serving middle-market companies in the United States and Canada. Reviewed pages do not publish a product-by-state eligibility schedule, admitted versus surplus-lines map, or a California-only startup program. A California office mention, if any, would not by itself establish that a given policy can be issued to a California company. Confirm licensed producer, surplus-lines broker if used, and product availability for the insured’s locations. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [22](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [6](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html "Fintech Industry Insurance") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Not publicly disclosed; scope: No independently verified 50-state appointment list. Fintech page examples are UK-weighted and are not treated as a California product route.; verified: 2026-09-16.)<br><br>Marsh Affinity’s licensing page lists Marsh USA LLC property-and-casualty licenses as of 8 March 2024, including California license 437153. A 2006 California Insurance Commissioner decision used license 0437153 for Marsh USA, Inc. dba Marsh Risk and Insurance Services. Present-day California authority remains unverified against a current regulator license record. A license number is not a determination that a specific coverage is available in California. [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") [31](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") [32](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "License Number Search") (Evidence: Not found in reviewed sources; scope: Company-reported table plus historical CDI caption. CDI lookup not completed past public search landing. No invented active/inactive status.; 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. [49](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [33](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 | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; 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. [49](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 | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [16](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [21](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)<br><br>Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [35](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 | Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.; 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. [47](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. [50](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [47](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. [51](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 | Marsh’s Claims Management service describes acting as an advisor among the business, insurer and third-party administrator: preparing, presenting and negotiating claims. Its cyber claims-advocacy page says specialists review claims, support litigation management, develop proof of loss with forensic accountants and advocate with insurers. MMA similarly describes claims advocacy as a carrier liaison on cyber matters and as part of property and casualty service. These are descriptions of assistance. They do not establish that Marsh pays claims, that a claim will be covered, or that recovery amounts cited in marketing were independently checked. [10](https://www.marsh.com/en/services/claims-management.html "Claims Management") [9](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") (Evidence: Company-reported; scope: Company-reported advocacy. The cyber page’s “recovering billions” language is not adopted as a verified performance statistic.; 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. [48](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 | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [30](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; 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. [33](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [34](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [49](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 Marsh?](https://spot.insure/insurance-providers/marsh)
- [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide)

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## Sources

### [Marsh Official Website](https://www.marsh.com/en/home.html)

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. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16.
3. [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.
4. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Managing data center risk; Closing the gaps in conventional coverage (property, casualty, technology E&O); Derisking power purchase agreement and interconnection obligations; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-16.
5. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16.
6. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. Accessed 2026-09-16.
7. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ. Accessed 2026-09-16.
8. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16.
9. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16.
10. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16.
11. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16.
12. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16.
13. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16.
14. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL. Accessed 2026-09-16.
15. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; page metadata legal name Marsh LLC; link to the business inquiry form. Accessed 2026-09-16.
16. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path for certificates, policies and billing. Accessed 2026-09-16.
17. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16.
18. [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.
19. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153. Accessed 2026-09-16.
20. [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.
21. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16.
22. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16.
23. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16.
24. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16.
25. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Executive and Professional Liability introduction; Our policies include (D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, kidnap and ransom); D&O, Employment Practices Liability and cyber subsections. Accessed 2026-09-16.
26. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Property Insurance introduction; Commercial Property; flood, windstorm, wildfire and earthquake options; Builders’ Risk; claims advocacy; captives and parametric options; Program design expertise. Accessed 2026-09-16.
27. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program introduction; Claims Management; Casualty Coverage: Workers’ Compensation; specialist contact. Accessed 2026-09-16.
28. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16.
29. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Opening employee-benefits broker positioning; Our Solutions: benefits consulting and implementation; FAQ on negotiating with carriers and selecting and implementing plans. Accessed 2026-09-16.
30. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for the 2026 MMA Compensation Guide download; premium-finance disclosure. Accessed 2026-09-16.
31. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Accessed 2026-09-16.
32. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public license number search; no license-detail record returned for 437153. Accessed 2026-09-16.

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

33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
42. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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.
48. [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.
49. [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.
50. [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.
51. [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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