Nationwide vs 
Simply Business: How Do They Compare for Workers’ Compensation Insurance?
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
Read the Simply Business profile
Read the Simply Business Workers’ Compensation Insurance page
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Coverage and Eligibility
Simply Business describes potential medical, rehabilitation, wage-replacement and death benefits, while noting state law and policy terms affect benefits. Nationwide likewise describes protection for work-related injuries or illness subject to the policy and jurisdiction. Ask for the state-specific form and benefit details; neither general description settles what an individual claim will pay. 4 7
Services and Claims
Simply Business notes that a one-person LLC without employees may not need coverage in many states, while Nationwide frames eligibility around businesses with employees and state requirements. Ask both how your state treats owners, contractors and part-time employees, and verify whether a customer contract imposes a separate proof requirement. 4 7
Application and Policy Details
Simply Business publishes a quote route but says availability varies by state, insurer and business details, and binding requires panel-member approval. Nationwide asks buyers to contact an agent or request a quote. Ask Simply Business which carrier panel member is proposed and ask Nationwide when a quote becomes bound coverage. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
Nationwide and Simply Business Review Scores for 2026
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
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
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 reviewsNationwide vs Simply Business Workers’ Compensation Insurance Compared
Nationwide vs Simply Business: Workers’ Compensation Insurance: documented features by provider
| Criteria | Nationwide workers compensation (official overview) | Workers’ compensation insurance through Simply Business |
|---|---|---|
| Role in This Line | Nationwide describes offering workers compensation for the audience stated on the cited product page. 4Company-reported. workers compensation 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 | Businesses with employees; statutory and state-specific requirements and policy terms control. 4Company-reported. workers compensation 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 explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. 7Company-reported. Company-published workers-compensation 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 workers' compensation protection for employees injured or made ill through work, subject to applicable policy and state requirements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. workers compensation 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’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. 7Company-reported. Company-published workers-compensation 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. workers compensation 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 publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. 7,6Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Nationwide vs Simply Business Workers’ Compensation
Workers’ Compensation Pages for Nationwide and Simply Business
Other Coverage Lines Compared for Nationwide vs Simply Business
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Nationwide vs Simply Business
Sources About 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.
- Workers’ Compensation Insurance. Nationwide; Workers' compensation page; employee injury and illness coverage overview. Accessed 2026-09-30.
Sources About 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.
- Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
