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
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 10,11
Key Differences in Cyber Insurance
TechInsurance Separates First- and Third-Party Coverage
TechInsurance describes first-party protection for breach response, extortion, interruption and data recovery, and third-party protection for legal fees, regulatory fines, reputation management, settlements and damages. Nationwide’s overview describes cyber and data-breach expenses without explaining the same split. Ask Nationwide’s agent to identify coverage for your own recovery costs and claims brought by customers or regulators. 4 8
TechInsurance Publishes a Customer-Data Price Benchmark
TechInsurance reports that its cyber policyholders pay a median $129 per month, or about $1,552 a year, based on its own customer data; it says premiums vary with employees, data volume, claims history, deductible and limits. Nationwide publishes no standard price in the reviewed overview. Treat the median as a historical reference rather than a quote and compare actual premiums with the same limits and deductibles. 4 9
TechInsurance Describes an Online Application and Same-Day Certificate
TechInsurance says buyers request quotes through a short online application, can get licensed-agent help and typically receive a certificate the same day they purchase. Nationwide directs buyers to an agent or quote request but does not publish a certificate timeline. Ask whether Nationwide can provide proof on the same schedule and what underwriting steps could delay binding. 4 8
What to Confirm in Cyber Insurance Quotes
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 reviewsTechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsOffering Details
Nationwide vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Nationwide cyber (official overview) | TechInsurance Cyber Liability Insurance |
|---|---|---|
| Role in This Line | Nationwide describes offering cyber for the audience stated on the cited product page. 4Company-reported. cyber 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. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 8Company-reported. Cyber liability product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. 8Not publicly disclosed. Cyber liability product page as read on 2026-09-23. |
| Who It’s For | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 4Company-reported. cyber 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. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 8Company-reported. Who needs cyber liability insurance section of the product page. |
| Coverage Features | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. cyber 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. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 8Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 8Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| 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. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 8Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | Confirm in your quote. | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. 8Not found in reviewed sources. Cyber liability product page as read on 2026-09-23. |
| 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. cyber 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. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 8Company-reported. Cyber liability product page application and certificate sections. |
Full Comparison
More Nationwide vs TechInsurance Comparisons
Other Cyber 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.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Cyber Liability Insurance – Compare Quotes. TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance? Accessed 2026-09-23.
- Small Business Insurance. TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
