---
title: "Nationwide vs USI Insurance Services: Surety Bonds"
description: "USI says it brokers surety bonds and negotiates capacity and terms with surety underwriters; Nationwide describes commercial surety bonds without publishing a fixed bond amount."
canonical: "https://spot.insure/compare/nationwide-vs-usi/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-usi"
provider-a: "nationwide"
provider-b: "usi"
coverage-line: "surety-bonds"
---

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/surety-bonds)

## Agent Guide

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

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

**Key facts:**
- Line: Surety Bonds. 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
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — 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 D&O Insurance](https://spot.insure/compare/nationwide-vs-usi/directors-officers) — 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 Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Surety Bonds](https://spot.insure/compare/aon-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs USI Insurance Services Surety Bonds](https://spot.insure/compare/aon-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Nationwide vs USI Insurance Services: How Do They Compare for Surety Bonds?

USI says it brokers surety bonds and negotiates capacity and terms with surety underwriters; Nationwide describes commercial surety bonds without publishing a fixed bond amount.

## How to Use the Nationwide vs USI Insurance Services Surety Bonds Comparison

Use this comparison to evaluate Nationwide and USI Insurance Services for Surety Bonds 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 Surety Bonds Summary

USI says it brokers surety bonds and negotiates capacity and terms with surety underwriters; Nationwide describes commercial surety bonds without publishing a fixed bond amount. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds")

## 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 Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [11](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [12](https://www.chubb.com/us-en/surety.html "Surety Bonds") [13](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Nationwide and USI Insurance Services Surety Bonds?

### Bond Types and Responsibilities

USI says it brokers surety bonds and negotiates capacity and terms with surety underwriters; Nationwide describes commercial surety bonds without publishing a fixed bond amount. Construction buyers may find USI’s named bid, performance and payment bonds more directly matched to a project, while Nationwide’s page leaves the specific form and underwriting to the obligation and applicant. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds")

### Placement and Support

USI describes a submission process that packages underwriting and operating information with its analysis, then helps clients present financials and negotiate with surety markets. Nationwide directs a prospect to an agent or quote request. If your challenge is building bonding capacity, ask USI what financial presentation it will prepare and ask Nationwide how the agent will submit your financials. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds")

### Application Route

USI lists domestic and international performance and payment bonds, commercial surety, and subcontractor default insurance; Nationwide’s overview speaks to commercial bonds generally. Ask USI which markets will consider your project and ask Nationwide whether the requested bond type and jurisdiction fit its program. Request the final obligee-specific form from either route. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds")

## What Should You Confirm in Nationwide and USI Insurance Services Surety Bonds Quotes?

- Ask Nationwide and USI Insurance Services to identify the exact bond form or liability wording, the issuing carrier, and any indemnity or underlying-policy requirements that apply to your obligation. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds")

## Nationwide vs USI Insurance Services Surety Bonds Compared

| Criteria | Nationwide surety bonds (official overview) | USI Surety Bond — Contract, Commercial and International Surety |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering surety bonds for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 surety bond broker, not a surety. It says it is one of the leading domestic and international surety brokers and negotiates bonding capacity and terms with surety underwriters on a client's behalf. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Surety Bond practice page..) |
| Issuing Insurer | Confirm in your quote. | USI does not name surety companies on its practice page; it describes placing bonds through its surety-market relationships rather than a fixed panel. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Who It’s For | Businesses and principals seeking commercial bonds; bond form and underwriting depend on obligation and applicant. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 its surety practice has a long history serving general contractors, trade contractors, highway/heavy construction projects, construction managers, developers and design-builders in the public and private sectors, and that its surety network also has experience outside construction. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Company description of client base..) |
| Coverage Features | The cited product page describes commercial surety bonds that guarantee a bonded principal's financial responsibility or compliance with stated obligations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 lists bid bonds, performance and payment bonds (domestic and international), established surety programs, commercial surety and financial obligations, and subcontractor default insurance among its construction and surety products. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Practice page product list; actual bond forms and terms are set by the surety and obligee..) |
| 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/bonds/ "Commercial Surety Bonds") (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 does not publish standard bonding-capacity figures; it cites individual case studies (a general contractor's bonding limits supporting a $10,000,000 revenue increase, and a mechanical contractor whose surety line supported $110,000,000 in revenue) rather than a general limit range. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Not publicly disclosed; scope: Case-study figures on the page are specific to those named accounts, not a published capacity table..) |
| Risk Services | Confirm in your quote. | USI describes a proprietary bond submission process that summarizes a client's underwriting and operational information alongside its own analysis and recommendations, and says its surety professionals help clients present their financials to the surety market and negotiate terms. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Company description of its submission methodology..) |
| 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/bonds/ "Commercial Surety Bonds") (Evidence: Company-reported; scope: surety bonds 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 contractors and other prospective surety clients to email pcinquiries@usi.com or contact a local USI office. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Contact instructions on the Surety Bond practice page..) |

## Related Pages for Nationwide vs USI Insurance Services Surety Bonds

- [Nationwide vs USI Insurance Services](https://spot.insure/compare/nationwide-vs-usi): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [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 D&O Insurance](https://spot.insure/compare/nationwide-vs-usi/directors-officers)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-usi/workers-compensation)
- [Aon vs Nationwide Surety Bonds](https://spot.insure/compare/aon-vs-nationwide/surety-bonds)
- [Aon vs USI Insurance Services Surety Bonds](https://spot.insure/compare/aon-vs-usi/surety-bonds)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds)
- [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/surety-bonds)

## Sources for Nationwide vs USI Insurance Services Surety Bonds

### 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. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Commercial surety bond page; bond types and obligations.. 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; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
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. [Surety Bond-Contract, Commercial and International Surety Bonds](https://www.usi.com/property-casualty/surety-bond/). USI Insurance Services; USI's Surety team provides a full suite of surety bond services...Contract, Commercial and International Surety solutions; long history...providing substantial surety credit in the construction industry; USI's proprietary bond submission process; USI's construction and surety products include: Bid Bonds, Performance & Payment Bonds..., Establish Surety Programs, Commercial Surety and Financial Obligations, Subcontractor Default Insurance (SDI); CASE STUDY: 50% Revenue Increase; CASE STUDY: $110,000,000 in Revenues. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
10. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
11. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
12. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
13. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. 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/surety-bonds.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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