---
title: "Nationwide vs StartupInsurance.ai: Surety Bonds"
description: "Nationwide’s commercial surety page describes bonds guaranteeing a principal’s financial responsibility or compliance."
canonical: "https://spot.insure/compare/nationwide-vs-startupinsurance/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-startupinsurance"
provider-a: "nationwide"
provider-b: "startupinsurance"
coverage-line: "surety-bonds"
---

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/nationwide-vs-startupinsurance/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of Nationwide and StartupInsurance.ai for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds questions about Nationwide versus StartupInsurance.ai. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Nationwide vs StartupInsurance.ai for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, Nationwide or StartupInsurance.ai?
- What does Nationwide or StartupInsurance.ai publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from Nationwide or StartupInsurance.ai?

**Key facts:**
- Line: Surety Bonds. Providers: Nationwide and StartupInsurance.ai.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Nationwide vs StartupInsurance.ai](https://spot.insure/compare/nationwide-vs-startupinsurance) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence)
- [Nationwide vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Surety Bonds](https://spot.insure/compare/aon-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/aon-vs-startupinsurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Nationwide vs StartupInsurance.ai: How Do They Compare for Surety Bonds?

Nationwide’s commercial surety page describes bonds guaranteeing a principal’s financial responsibility or compliance.

## How to Use the Nationwide vs StartupInsurance.ai Surety Bonds Comparison

Use this comparison to evaluate Nationwide and StartupInsurance.ai for Surety Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Nationwide vs StartupInsurance.ai Surety Bonds Summary

Nationwide’s commercial surety page describes bonds guaranteeing a principal’s financial responsibility or compliance. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [3](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is StartupInsurance.ai?

StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [12](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [13](https://www.chubb.com/us-en/surety.html "Surety Bonds") [14](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Nationwide and StartupInsurance.ai Surety Bonds?

### Bond Types and Responsibilities

Nationwide’s commercial surety page describes bonds guaranteeing a principal’s financial responsibility or compliance. StartupInsurance.ai lists “Surety” among physical-risk lines for founders building hardware, energy, robotics or defense technology, but does not name a bond type. Ask StartupInsurance.ai to identify the specific bond form required before treating that listing as a match. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Placement and Support

Nationwide directs buyers to an agent or quote request. StartupInsurance.ai’s surety listing uses “Ask about your insurance requirements,” while its general quote intake does not include surety among its coverage checkboxes. That points to a specialist conversation rather than self-service intake. Ask what application materials are needed and whether the agency can place your obligee’s required form. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Application Route

StartupInsurance.ai says its agency arranges placement and does not underwrite; Nationwide describes offering bonds but its overview does not identify the issuer for a buyer’s bond. Ask both who the actual surety will be, what indemnity agreement applies, and whether the proposed bond wording satisfies the obligee. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Should You Confirm in Nationwide and StartupInsurance.ai Surety Bonds Quotes?

- Ask Nationwide and StartupInsurance.ai to identify the exact bond form or liability wording, the issuing carrier, and any indemnity or underlying-policy requirements that apply to your obligation. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Nationwide vs StartupInsurance.ai Surety Bonds Compared

| Criteria | Nationwide surety bonds (official overview) | StartupInsurance.ai Surety Bonds |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering surety bonds for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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..) | StartupInsurance.ai does not underwrite or issue surety bonds itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. Surety bonds are typically issued by a surety company rather than an insurer in the conventional sense, and the reviewed pages do not distinguish the two. [8](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not surety-specific placement terms or which entity type ultimately issues a bond..) |
| Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, issues a given company's surety bond. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the surety company behind a bond is not disclosed on the pages reviewed and varies by placement..) |
| Who It’s For | Businesses and principals seeking commercial bonds; bond form and underwriting depend on obligation and applicant. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning surety bonds as something it arranges regularly for hardware-adjacent startups, rather than as a rare add-on. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) |
| Coverage Features | The cited product page describes commercial surety bonds that guarantee a bonded principal's financial responsibility or compliance with stated obligations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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..) | StartupInsurance.ai lists "Surety" among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The page uses the word "Surety" rather than "surety bonds," and does not name a bond type. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe bond types (e.g. license, permit, performance), bond amounts, or underwriting terms..) |
| 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. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | The reviewed pages do not publish sample bond amounts, bond types, or premium rates for surety bonds. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; bond amounts would only surface on an actual application..) |
| 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. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating surety bonds are discussed with a specialist rather than quoted through a self-serve form. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Surety is not one of them, so it is not part of that self-serve intake flow. [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) |

## Related Pages for Nationwide vs StartupInsurance.ai Surety Bonds

- [Nationwide vs StartupInsurance.ai](https://spot.insure/compare/nationwide-vs-startupinsurance): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [Nationwide vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/builders-risk)
- [Nationwide vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/commercial-auto)
- [Nationwide vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/commercial-property)
- [Nationwide vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/directors-officers)
- [Nationwide vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/fiduciary)
- [Nationwide vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/general-liability)
- [Nationwide vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-startupinsurance/inland-marine)
- [Aon vs Nationwide Surety Bonds](https://spot.insure/compare/aon-vs-nationwide/surety-bonds)
- [Aon vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/aon-vs-startupinsurance/surety-bonds)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds)
- [The Baldwin Group vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/surety-bonds)

## Sources for Nationwide vs StartupInsurance.ai Surety Bonds

### Sources About Nationwide

1. [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.
2. [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.
3. [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.
4. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Commercial surety bond page; bond types and obligations.. Accessed 2026-09-30.

### Sources About StartupInsurance.ai

5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
6. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23.
7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23.
8. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.
9. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16.

### Sources for the Surety Bonds Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
11. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
12. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
13. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
14. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Nationwide Review Scores for 2026

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews).

## StartupInsurance.ai Review Scores for 2026

Review Score: not enough ratings.

StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/nationwide-vs-startupinsurance/surety-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)