--- title: "Nationwide vs The Hartford" description: "Compare Nationwide and The Hartford by business role, listed products and how buyers start a quote." canonical: "https://spot.insure/compare/nationwide-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-30" --- 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) # Nationwide vs The Hartford Compare Nationwide and The Hartford by business role, listed products and how buyers start a quote. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights This comparison sets Nationwide’s and The Hartford’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [23](https://www.thehartford.com/legal-notice "Legal Notice") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Nationwide Role: Insurance carrier. Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Nationwide company issues a given commercial policy (Nationwide Mutual, Allied, Scottsdale or Nationwide E&S/Specialty) was not established, and AM Best's full member list PDF was not read. No entity-level rating for Scottsdale Insurance Company or Nationwide E&S/Specialty was verified.; AM Best's own site blocked our tool; the A (Excellent) rating rests on a press release copy and Nationwide's annual report.; Ohio Department of Insurance (Nationwide's home regulator) was not searched directly, and the Missouri DOI page returned a rate-limit error.; NAIC's own complaint index page for company 23787 was blocked, so no direct NAIC values were read.; Older Florida consent orders and a 2025 pet-insurance class-action settlement appeared in search but were not opened; no claims-payment timing or denial-rate data was found.). Read the [full reliability assessment](https://spot.insure/insurance-providers/nationwide/reliability). ### The Hartford Role: Insurance carrier. Carrier & MGA Spot Score: **7.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/the-hartford/reliability). ## Nationwide Reviews 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 Reviews 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). ## Coverage Comparison | Coverage Type | Nationwide | The Hartford | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [5](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | Not listed | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. [3](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | Listed: The Hartford offers business owner’s policies combining property and liability coverage. [28](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [5](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | Not listed | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. [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") | Listed: The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency. [36](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [6](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [14](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | Listed: The Hartford offers commercial property insurance. [30](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Crime](https://spot.insure/coverage/crime) | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [10](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | Listed: The Hartford offers crime insurance as a management-liability coverage option. [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [8](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | Listed: The Hartford offers cyber insurance and data-breach coverage. [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [13](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | Listed: The Hartford offers directors and officers liability for private, public and nonprofit organizations. [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [39](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [7](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | Listed: The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York. [35](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [3](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [14](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | Not listed | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | Listed: The Hartford offers fiduciary liability as a management-liability coverage option. [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [14](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [3](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") | Listed: The Hartford offers general liability insurance. [29](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: The Hartford offers hired and non-owned auto coverage. [37](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [36](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: The Hartford lists kidnap and ransom/extortion among its management-liability coverage options. [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Management liability](https://spot.insure/coverage/management-liability) | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [13](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") | Listed: The Hartford offers management-liability packages, including Private Choice Premier. [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [11](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | Listed: The Hartford offers professional liability insurance for service businesses. [34](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [9](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | Not listed | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: The Hartford offers technology errors and omissions coverage through its FailSafe product. [33](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. [5](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | Listed: The Hartford offers inland marine insurance for midsize and large businesses. [42](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [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") | Listed: The Hartford lists commercial umbrella insurance among its business coverage options. [40](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [41](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [4](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | Listed: The Hartford offers workers’ compensation insurance. [31](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Nationwide and The Hartford ### Business Roles and Access to Insurers For this pair, first decide whether the documented access route fits how you want to buy. Nationwide’s role evidence is specific to its distribution or underwriting position; The Hartford’s record describes a different business route. Ask who handles your submission, who issues each policy, and who will service changes after binding. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [23](https://www.thehartford.com/legal-notice "Legal Notice") ### Business Fit and Listed Products Compare the business segments each company says it serves with your operations, locations and risk profile. A marketed audience can help you choose where to apply, but it does not confirm your eligibility. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") Both provider records list business owners policies, commercial auto, commercial property, crime, cyber. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. Nationwide also lists builders risk, cargo, equipment breakdown, surety bonds; The Hartford also lists technology E&O, hired non owned auto, kidnap and ransom. These are catalogue differences, not proof that one company excludes a line or that listed products are equivalent. Ask for the proposed forms and schedule side by side. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ### Application and Account Service Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [3](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [27](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [26](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [36](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) The application facts show different entry points for this pair. A quote request or agent portal is not itself a binder; get the named issuing insurer, quote terms and written effective-date confirmation before relying on coverage. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") ### Managing Changes, Claims, and Renewal Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [15](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.) The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [31](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [34](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [45](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) Ask who owns post-bind policy changes, certificates, claims reporting and renewal outreach. A quote channel does not establish those service steps; compare the contact and timing you receive in writing. ## What to Confirm in Quotes - Which insurer and legal entity will issue each policy, and where can that exact product be quoted? Catalogue and licensing statements do not answer risk-specific eligibility. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [23](https://www.thehartford.com/legal-notice "Legal Notice") - For the shared catalogue labels business owners policies, commercial auto, commercial property, crime, cyber, ask each company for the proposed insurer, form and endorsements; a matching name alone is not a coverage match. Compare limits, retention or deductible, exclusions, retroactive date where relevant, and endorsements; catalogue labels do not establish equivalent protection. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") - Ask what the application requires, what underwriting follow-up to expect, and who handles certificates, policy changes and renewal after binding [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") ## Compare Services What each provider documents about the services you may need. | Criteria | Nationwide | The Hartford | | --- | --- | --- | | Business role | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. [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") [17](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.; verified: 2026-09-29.) | Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. [23](https://www.thehartford.com/legal-notice "Legal Notice") [44](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [40](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [26](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Customer focus | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. [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") (Evidence: Company-reported; scope: Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.; verified: 2026-09-29.) | The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [43](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [42](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) | | Coverage lines | Nationwide lists BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety for small businesses, and separately markets inland marine, builders risk, professional E&O, commercial property, crime, D&O, fiduciary liability and management-liability products. Product listings do not establish that a buyer qualifies or that a named coverage is included in another policy. [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") [5](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [11](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [6](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [10](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [12](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") (Evidence: Company-reported; scope: Current official U.S. commercial catalogue pages reviewed Sep 29, 2026; not a complete state/class appetite map.; verified: 2026-09-29.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [33](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [34](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [35](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [36](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [37](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [40](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [43](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [42](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [35](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | Availability | Nationwide says P&C products may not be offered by all companies or in all states and are subject to underwriting. The reviewed public sources do not establish a complete state-by-state commercial issuer and product matrix. [17](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: General P&C disclosure and pages reviewed here; no all-state licensing or availability audit.; verified: 2026-09-29.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [23](https://www.thehartford.com/legal-notice "Legal Notice") [31](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [28](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [22](https://www.thehartford.com/business-insurance/california "California Business Insurance") [47](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [23](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | | Access to insurers | Nationwide identifies Nationwide Mutual Insurance Company and affiliates as possible P&C underwriting companies and says each underwriter is responsible for its own products. The reviewed general disclosure does not name the issuer for each commercial product; check the policy and declarations. [17](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: General group disclosure, not a line-, policy- or state-specific insurer crosswalk.; verified: 2026-09-29.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [23](https://www.thehartford.com/legal-notice "Legal Notice") [40](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [29](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [43](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [47](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) | | Application process | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [3](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [27](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [26](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [36](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [38](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | Servicing and renewals | Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [15](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)

The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. [18](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [15](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Not found in reviewed sources; scope: Only named public pages reviewed 2026-09-29, not policy documents or every account workflow.; verified: 2026-09-29.)

NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. [19](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance "Nationwide Business Insurance Review 2026 — commercial complaint analysis") (Evidence: Verified; scope: NerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.; verified: 2026-09-29.) | The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [31](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [34](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [45](https://www.thehartford.com/claims "Insurance Claim Center") (Evidence: Company-reported; scope: Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.; verified: 2026-09-16.) | | Claims assistance | Nationwide says business claims can be reported online, by phone or through an agent and that a claims professional is assigned after submission. Same-day contact is described as an aim, not a guarantee. [16](https://www.nationwide.com/business/insurance/claims/faq/ "Business Insurance Claims FAQ") (Evidence: Company-reported; scope: General company-described commercial claims process; not an independent outcome measure or product-specific administrator map.; verified: 2026-09-29.) | The Hartford provides phone and online claim reporting, including 800-327-3636 for general liability and other commercial claims, a cyber FirstResponse hotline at 800-370-0605, online claim-status tools and a mobile app. Offering claims intake is not evidence of how any claim would be paid. [45](https://www.thehartford.com/claims "Insurance Claim Center") [46](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") [32](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [30](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Company claims-center and product pages as of 16 September 2026. No claim file or payment outcome was reviewed. A commercial-property page listed 800-327-3638; confirm the number on the policy.; verified: 2026-09-16.) | | Fees and compensation | The reviewed Nationwide commercial marketing and service pages do not disclose agent commission rates or contingent compensation terms. This packet does not establish whether or how an agent is compensated. [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") [17](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Not found in reviewed sources; scope: Bounded page review; no producer agreement, quote or commission disclosure reviewed.; verified: 2026-09-29.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [44](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [26](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [21](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [20](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Related Reading - [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [AIG vs Nationwide](https://spot.insure/compare/aig-vs-nationwide) - [AIG vs The Hartford](https://spot.insure/compare/aig-vs-the-hartford) - [Alliance Risk vs Nationwide](https://spot.insure/compare/alliance-risk-vs-nationwide) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Nationwide](https://spot.insure/compare/amelia-risk-vs-nationwide) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Aon vs Nationwide](https://spot.insure/compare/aon-vs-nationwide) - [Aon vs The Hartford](https://spot.insure/compare/aon-vs-the-hartford) - [Armilla vs Nationwide](https://spot.insure/compare/armilla-vs-nationwide) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Nationwide](https://spot.insure/compare/at-bay-vs-nationwide) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [The Baldwin Group vs Nationwide](https://spot.insure/compare/baldwin-vs-nationwide) - [The Baldwin Group vs The Hartford](https://spot.insure/compare/baldwin-vs-the-hartford) - [Beazley vs Nationwide](https://spot.insure/compare/beazley-vs-nationwide) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - [Berkshire Hathaway Specialty Insurance vs Nationwide](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide) - [Berkshire Hathaway Specialty Insurance vs The Hartford](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford) - [biBerk vs Nationwide](https://spot.insure/compare/biberk-vs-nationwide) - [biBerk vs The Hartford](https://spot.insure/compare/biberk-vs-the-hartford) - [CFC vs Nationwide](https://spot.insure/compare/cfc-vs-nationwide) - [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) - [Chubb vs Nationwide](https://spot.insure/compare/chubb-vs-nationwide) - [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) - [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide) - [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford) - [Coalition vs Nationwide](https://spot.insure/compare/coalition-vs-nationwide) - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) - [Corgi vs Nationwide](https://spot.insure/compare/corgi-vs-nationwide) - [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) - [Coterie Insurance vs Nationwide](https://spot.insure/compare/coterie-vs-nationwide) - [Coterie Insurance vs The Hartford](https://spot.insure/compare/coterie-vs-the-hartford) - [Counterpart vs Nationwide](https://spot.insure/compare/counterpart-vs-nationwide) - [Counterpart vs The Hartford](https://spot.insure/compare/counterpart-vs-the-hartford) - [Coverdash vs Nationwide](https://spot.insure/compare/coverdash-vs-nationwide) - [Coverdash vs The Hartford](https://spot.insure/compare/coverdash-vs-the-hartford) - [Cowbell vs Nationwide](https://spot.insure/compare/cowbell-vs-nationwide) - [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford) - [Embroker vs Nationwide](https://spot.insure/compare/embroker-vs-nationwide) - [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford) ## Sources ### [Nationwide Official Website](https://www.nationwide.com/business/) 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. [Business Owners Policy (BOP Insurance)](https://www.nationwide.com/business/insurance/business-owners-policy-bop/). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29. 4. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29. 5. [Insurance for Inland Marine](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29. 6. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29. 7. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29. 8. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29. 9. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29. 10. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29. 11. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29. 12. [Commercial Liability Products](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29. 13. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29. 14. [Commercial Office Space Insurance](https://www.nationwide.com/business/insurance/industries/types/professional-office). Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29. 15. [Business Insurance Member Resources](https://www.nationwide.com/business/insurance/member-resources/). Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29. 16. [Business Insurance Claims FAQ](https://www.nationwide.com/business/insurance/claims/faq/). Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29. 17. [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. 18. [Nationwide Commercial Insurance](https://www.nationwide.com/business/). Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29. 19. [Nationwide Business Insurance Review 2026 — commercial complaint analysis](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance). NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29. ### [The Hartford Official Website](https://www.thehartford.com) 20. [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. 21. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 22. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 23. [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. 24. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 25. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 26. [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. 27. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Accessed 2026-09-16. 28. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16. 29. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16. 30. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 31. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 32. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 33. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 34. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 35. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 36. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16. 37. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16. 38. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16. 39. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16. 40. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 41. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16. 42. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16. 43. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 44. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 45. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 46. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 47. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. 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. [Editorial policy](https://spot.insure/editorial-policy). 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