---
title: "Nationwide vs USI Insurance Services: D&O Insurance"
description: "USI brokers D&O through ExecuSafe and offers a gap review, while Nationwide describes a D&O product and directs buyers to an agent or quote request."
canonical: "https://spot.insure/compare/nationwide-vs-usi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-usi"
provider-a: "nationwide"
provider-b: "usi"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/nationwide-vs-usi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Nationwide and USI Insurance Services for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Nationwide versus USI Insurance Services. 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 USI Insurance Services for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Nationwide or USI Insurance Services?
- What does Nationwide or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Nationwide or USI Insurance Services?

**Key facts:**
- Line: D&O Insurance. Providers: Nationwide and USI Insurance Services.
- 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 USI Insurance Services](https://spot.insure/compare/nationwide-vs-usi) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence)
- [Nationwide vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Crime Insurance](https://spot.insure/compare/nationwide-vs-usi/crime) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/nationwide-vs-usi/cyber) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Surety Bonds](https://spot.insure/compare/nationwide-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line)

# Nationwide vs USI Insurance Services: How Do They Compare for D&O Insurance?

USI brokers D&O through ExecuSafe and offers a gap review, while Nationwide describes a D&O product and directs buyers to an agent or quote request.

## How to Use the Nationwide vs USI Insurance Services D&O Insurance Comparison

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

## Nationwide vs USI Insurance Services D&O Insurance Summary

USI reviews D&O exposure and existing management-liability gaps through ExecuSafe, with separate technology-sector placement. Nationwide’s overview describes D&O and an agent quote route. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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 USI Insurance Services?

USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between Nationwide and USI Insurance Services D&O Insurance?

### Broker review versus product overview

Nationwide’s overview describes D&O for alleged decisions or wrongful acts by directors and officers and directs prospects to an agent. USI acts as a broker: its ExecuSafe process identifies exposures, reviews management-liability policies for gaps, and places coverage. A small or midsize business can use that review to examine whether existing limits fit, while Nationwide’s public page is a starting point for a quote rather than a described gap-analysis service. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### Segment-specific placement

USI separately describes a Technology practice placing D&O for software, hardware, and communications companies from seed stage through IPO. Nationwide’s reviewed overview does not specify that startup funding range. For a technology company, USI’s stated segment may give a more tailored intake path; the eventual insurer and policy terms still depend on placement. [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

## What Should You Confirm in Nationwide and USI Insurance Services D&O Insurance Quotes?

- Ask USI whether ExecuSafe or its Technology practice will handle the placement and which carrier and limits are proposed. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- Ask Nationwide for the quote’s specific policy form, limit, and retention. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability")

## Nationwide vs USI Insurance Services D&O Insurance Compared

| Criteria | Nationwide directors officers (official overview) | USI ExecuSafe Directors & Officers Liability Program |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering directors officers for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) |
| Issuing Insurer | Confirm in your quote. | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) |
| Who It’s For | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) |
| Coverage Features | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) |
| Risk Services | Confirm in your quote. | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") (Evidence: Company-reported; scope: directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) |

## Related Pages for Nationwide vs USI Insurance Services D&O Insurance

- [Nationwide vs USI Insurance Services](https://spot.insure/compare/nationwide-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Nationwide vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-usi/commercial-property)
- [Nationwide vs USI Insurance Services Crime Insurance](https://spot.insure/compare/nationwide-vs-usi/crime)
- [Nationwide vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/nationwide-vs-usi/cyber)
- [Nationwide vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/employment-practices)
- [Nationwide vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/fiduciary)
- [Nationwide vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/nationwide-vs-usi/management-liability)
- [Nationwide vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-usi/professional-errors-omissions)
- [Nationwide vs USI Insurance Services Surety Bonds](https://spot.insure/compare/nationwide-vs-usi/surety-bonds)
- [Nationwide vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-usi/workers-compensation)
- [AIG vs Nationwide D&O Insurance](https://spot.insure/compare/aig-vs-nationwide/directors-officers)
- [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers)
- [Alliance Risk vs Nationwide D&O Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/directors-officers)
- [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers)
- [Amelia Risk vs Nationwide D&O Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/directors-officers)
- [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers)

## Sources for Nationwide vs USI Insurance Services D&O Insurance

### Sources About Nationwide

1. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
2. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
3. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
4. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide; D&O page; management-liability product and covered exposures.. Accessed 2026-09-30.

### Sources About USI Insurance Services

5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
8. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
9. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23.

### Sources for the D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

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

## Nationwide Review Scores for 2026

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

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

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

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

## USI Insurance Services Review Scores for 2026

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).

## Agent and Developer Resources

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