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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 8,9
Key Differences in Inland Marine Insurance
Property away from the premises
Simply Business describes inland marine for equipment and inventory in transit or stored away from business premises, while noting policy wording controls covered causes, limits, and conditions. Nationwide describes specialized protection for equipment, materials, projects, and other property while moving, stored, or at jobsites. If your stock or tools move between locations, compare transit routes, storage conditions, and covered causes rather than relying on the line name alone. 4 7
Examples and quote route
Simply Business gives contractors' tools, photographers' cameras, and mobile groomers' equipment as buyer examples, and describes an online form comparing insurer quotes. Availability depends on state, buyer, and insurer, and its terms do not guarantee binding. Nationwide sends prospects to an agent or quote request. Ask which insurer and valuation basis appear in your proposal. 7 6 4
What to Confirm in Inland Marine Insurance Quotes
- Ask Simply Business which insurer approves and binds your quote and how inventory is valued; ask Nationwide for transit, storage, and covered-cause 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: Inland Marine Insurance: documented features by provider
| Criteria | Nationwide inland marine (official overview) | Inland-marine insurance through Simply Business |
|---|---|---|
| Role in This Line | Nationwide describes offering inland marine for the audience stated on the cited product page. 4Company-reported. inland marine 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 | Industries and risks named in the inland-marine page; exact eligibility is account-specific. 4Company-reported. inland marine 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 gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 7Company-reported. Company-published inland-marine 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 specialized protection for equipment, materials, construction projects, and other property while moving, stored, or at a jobsite. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. inland marine 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 describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 7Company-reported. Company-published inland-marine 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. inland marine 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 describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 7,6Company-reported. Company-published inland-marine 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 Inland Marine 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.
- Insurance for Inland Marine – Nationwide. Nationwide; Key products and coverages; mobile/specialized property, equipment, materials, and transit. 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.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
