---
title: "Nationwide vs The Hartford: Employment Practices Liability Insurance"
description: "The Hartford says built-in EPL is unavailable in California, Minnesota, North Dakota, and New York and includes wage-hour defense in its BOP; Nationwide describes EPL without these state details."
canonical: "https://spot.insure/compare/nationwide-vs-the-hartford/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-the-hartford"
provider-a: "nationwide"
provider-b: "the-hartford"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/nationwide-vs-the-hartford/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Nationwide and The Hartford for Employment Practices Liability 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 Employment Practices Liability 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 Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Nationwide or The Hartford?
- What does Nationwide or The Hartford publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from Nationwide or The Hartford?

**Key facts:**
- Line: Employment Practices Liability 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
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — 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 D&O Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/directors-officers) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)

# Nationwide vs The Hartford: How Do They Compare for Employment Practices Liability Insurance?

The Hartford says built-in EPL is unavailable in California, Minnesota, North Dakota, and New York and includes wage-hour defense in its BOP; Nationwide describes EPL without these state details.

## How to Use the Nationwide vs The Hartford Employment Practices Liability Insurance Comparison

Use this comparison to evaluate Nationwide and The Hartford for Employment Practices Liability 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 Employment Practices Liability Insurance Summary

The Hartford lists state limits on built-in EPL and says its BOP includes wage-and-hour defense-cost coverage. Nationwide describes EPL claim examples but no comparable state carve-outs or wage-hour detail in its overview. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL 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](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 Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## What Are the Key Differences Between Nationwide and The Hartford Employment Practices Liability Insurance?

### State availability and BOP coverage

The Hartford says built-in EPL is unavailable in California, Minnesota, North Dakota, and New York, and notes that its described program does not apply to California-written EPL. It also says the BOP’s built-in EPL includes wage-and-hour defense costs. Nationwide’s reviewed overview describes employee-claim protection but provides no equivalent state schedule or wage-hour detail. Employers in those states should verify which product route is actually available before comparing limits. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

### Claims and other product forms

The Hartford lists discrimination, retaliation, FMLA violations, termination, failure to promote, harassment, and third-party claims for most businesses; it also offers standalone Employers Premier Choice and Private Choice Premier package options. Nationwide names wrongful termination, refusal to employ, invasion of privacy, and defamation, and directs buyers to an agent. Compare the exact product and claimant definitions on the quotes, including any state-specific form. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## What Should You Confirm in Nationwide and The Hartford Employment Practices Liability Insurance Quotes?

- Ask The Hartford which product applies in your state and whether wage-hour defense is included or limited in the offered form. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
- Ask Nationwide for state availability, third-party claim coverage, and any wage-hour defense option. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance")

## Nationwide vs The Hartford Employment Practices Liability Compared

| Criteria | Nationwide employment practices (official overview) | The Hartford Employment Practices Liability Insurance (EPLI) |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering employment practices for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page footnote as read 2026-09-23..) |
| Who It’s For | Businesses seeking protection from employee claims; policy conditions and exclusions control. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025)..) |
| Coverage Features | The cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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 its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI 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/employment-practices-liability/ "Employment Practices Liability Insurance") (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 Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed..) |
| Risk Services | Confirm in your quote. | The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. [8](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 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. [4](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: employment practices 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

- [Nationwide vs The Hartford](https://spot.insure/compare/nationwide-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [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 D&O Insurance](https://spot.insure/compare/nationwide-vs-the-hartford/directors-officers)
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/employment-practices)
- [AIG vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/employment-practices)
- [Alliance Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/employment-practices)
- [Alliance Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/employment-practices)
- [Amelia Risk vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/employment-practices)
- [Amelia Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/employment-practices)

## Sources for Nationwide vs The Hartford

### 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. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; EPLI page; employment-related claim coverage overview.. 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. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.

### Sources for the Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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

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