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. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Coverage and buyer examples
Simply Business says GL may address third-party accidents, bodily injury, property damage, and legal defense, while employee injuries are outside this line. It gives sole proprietors, LLCs, home-based businesses, contractors, and freelancers as buyer examples, not guaranteed eligible classes. Nationwide describes medical expenses, attorney fees, and damages, with product/completed-operations cover available by endorsement. If your business sells products or employs staff, ask how each proposal coordinates those exposures with other policies. 7 4
Online quote and binding
Simply Business directs buyers to an online quote flow, but its terms say a quote is not guaranteed and the producer cannot bind without panel-member approval. Nationwide asks prospects to contact an agent or request a quote and does not state a binding timeline in the reviewed overview. Confirm when coverage becomes effective and which insurer appears on the final documents. 7 6 4
What to Confirm in General Liability Insurance Quotes
- Ask Simply Business which panel insurer approves and binds the quote; ask Nationwide's agent for carrier, effective date, and product endorsement terms.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide
Review Score
4 rated sources
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.[1][10]
Read Nationwide reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
Nationwide vs Simply Business: General Liability Insurance: documented features by provider
| Criteria | Nationwide general liability (official overview) | General liability insurance through Simply Business |
|---|---|---|
| Role in This Line | Nationwide describes offering general liability for the audience stated on the cited product page. 4Company-reported. general liability 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. | Confirm in your quote. |
| Who It’s For | Most businesses are identified as potential buyers; the source directs businesses to an agent to confirm their specific need. 4Company-reported. general liability 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. | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. 7Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | The cited product page describes medical expenses, attorney fees, and damages for covered liability claims, with product and completed-operations liability available as an endorsement option. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. general liability 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. | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. 7Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | 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. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | Confirm in your quote. |
| How to Apply | 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. 4Company-reported. general liability 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. | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. 7,6Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Nationwide vs Simply Business Comparisons
Other General Liability Insurance Comparisons
Sources
Nationwide
- Small Business Insurance. 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.
- Small Business Insurance Solutions for Agents. 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.
- Terms and Conditions for Nationwide.com. 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.
- General Liability Insurance – Nationwide. Nationwide; General liability overview; covered expenses and endorsements; product and completed-operations liability. Accessed 2026-09-30.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
