--- title: "Nationwide vs The Hartford: D&O Insurance" description: "The Hartford places D&O within Private Choice Premier or a BOP endorsement, while Nationwide describes D&O through its management-liability product overview and agent quote route." canonical: "https://spot.insure/compare/nationwide-vs-the-hartford/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "nationwide-vs-the-hartford" provider-a: "nationwide" provider-b: "the-hartford" coverage-line: "directors-officers" --- 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-the-hartford/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Nationwide and The Hartford for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about Nationwide versus The Hartford. 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 The Hartford for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Nationwide or The Hartford? - What does Nationwide or The Hartford publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Nationwide or The Hartford? **Key facts:** - Line: D&O Insurance. Providers: Nationwide and The Hartford. - 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 The Hartford](https://spot.insure/compare/nationwide-vs-the-hartford) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence) - [Nationwide vs The Hartford Business Owner’s Policy](https://spot.insure/compare/nationwide-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Crime Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Cyber Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford General Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Management Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Nationwide vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line) # Nationwide vs The Hartford: How Do They Compare for D&O Insurance? The Hartford places D&O within Private Choice Premier or a BOP endorsement, while Nationwide describes D&O through its management-liability product overview and agent quote route. ## How to Use the Nationwide vs The Hartford D&O Insurance Comparison Use this comparison to evaluate Nationwide and The Hartford for D&O Insurance 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 The Hartford D&O Insurance Summary The Hartford lists D&O in its Private Choice Premier package and as a BOP addition. Nationwide describes D&O in a product overview and directs prospects to an agent or quote request. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## 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 The Hartford? The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Nationwide and The Hartford D&O Insurance? ### How D&O fits into a purchase The Hartford identifies D&O as one of five options in its Private Choice Premier management-liability package and says it can also be added to a Business Owner’s Policy. Nationwide’s reviewed product page describes D&O as a distinct Management Liability & Specialty product and sends prospects to an agent or quote request. Buyers comparing these routes should check whether D&O is quoted alone or alongside other business coverages. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") ### Documented claim examples The Hartford names claims from employees, vendors, competitors, investors, or customers and gives wrongful termination as an employee example. Nationwide describes claims tied to alleged decisions or wrongful acts by company directors and officers, without listing those claimant categories in its overview. Ask each insurer to map your likely allegations to its actual wording rather than treating these summaries as matching grants. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") ## What Should You Confirm in Nationwide and The Hartford D&O Insurance Quotes? - Ask The Hartford whether your quote uses Private Choice Premier, a BOP endorsement, or another form, and identify the included coverage parts. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") - Ask Nationwide for covered claimant categories, exclusions, limits, and retention in the issued form. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") ## Nationwide vs The Hartford D&O Insurance Compared | Criteria | Nationwide directors officers (official overview) | The Hartford Directors and Officers Insurance (D&O) | | --- | --- | --- | | Role in This Line | Nationwide describes offering directors officers for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 Hartford's D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner's Policy. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | | Who It’s For | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 Hartford's management-liability coverages, including D&O, are offered to nonprofit organizations, publicly traded companies and privately-held companies, with a separate management and professional liability track for financial institutions (adviser D&O, private fund liability, registered fund liability, among others). [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | | Coverage Features | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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 Hartford says D&O helps protect directors and officers from mistakes or wrongful acts in managing the company, covering legal fees for claims from employees, vendors, competitors, investors or customers; its example is an employee suing for wrongful termination. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) | | 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/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers 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. | ## Related Pages for Nationwide vs The Hartford D&O Insurance - [Nationwide vs The Hartford](https://spot.insure/compare/nationwide-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Nationwide vs The Hartford Business Owner’s Policy](https://spot.insure/compare/nationwide-vs-the-hartford/business-owners-policy) - [Nationwide vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/commercial-auto) - [Nationwide vs The Hartford Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/commercial-property) - [Nationwide vs The Hartford Crime Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/crime) - [Nationwide vs The Hartford Cyber Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/cyber) - [Nationwide vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/employment-practices) - [Nationwide vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/fiduciary) - [Nationwide vs The Hartford General Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/general-liability) - [Nationwide vs The Hartford Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/inland-marine) - [Nationwide vs The Hartford Management Liability Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/management-liability) - [Nationwide vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/professional-errors-omissions) - [Nationwide vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/workers-compensation) - [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers) - [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers) - [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers) - [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers) - [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers) - [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers) ## Sources for Nationwide vs The Hartford D&O Insurance ### 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. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide; D&O page; management-liability product and covered exposures.. Accessed 2026-09-30. ### Sources About The Hartford 5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 8. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Directors and Officers Insurance (D&O) section; Who Does Management Liability Insurance Protect?; Management Liability Insurance for Nonprofit/Publicly Traded/Financial Institutions organizations. Accessed 2026-09-23. ### Sources for the D&O Insurance Guide 9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 10. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 11. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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). ## The Hartford Review Scores for 2026 Review Score: 4.9 / 10 from 5 rated sources, equally weighted. The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance) - J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/nationwide-vs-the-hartford/directors-officers.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)