---
title: "Nationwide vs WTW: Crime Insurance"
description: "WTW documents its binding and policy-review steps as a broker, while Nationwide's overview describes crime as a product and points to an agent."
canonical: "https://spot.insure/compare/nationwide-vs-wtw/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-wtw"
provider-a: "nationwide"
provider-b: "wtw"
coverage-line: "crime"
---

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-wtw/crime)

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Nationwide and WTW.
- 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 WTW](https://spot.insure/compare/nationwide-vs-wtw) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [WTW profile](https://spot.insure/insurance-providers/wtw) — provider profile (evidence)
- [Nationwide vs WTW Cargo and Transit Insurance](https://spot.insure/compare/nationwide-vs-wtw/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-wtw/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Cyber Insurance](https://spot.insure/compare/nationwide-vs-wtw/cyber) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-wtw/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Management Liability Insurance](https://spot.insure/compare/nationwide-vs-wtw/management-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-wtw/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs WTW Surety Bonds](https://spot.insure/compare/nationwide-vs-wtw/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs WTW Crime Insurance](https://spot.insure/compare/aig-vs-wtw/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Crime Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs WTW Crime Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs WTW Crime Insurance](https://spot.insure/compare/aon-vs-wtw/crime) — sibling comparison (other line, or other pair for this line)

# Nationwide vs WTW: How Do They Compare for Crime Insurance?

WTW documents its binding and policy-review steps as a broker, while Nationwide's overview describes crime as a product and points to an agent.

## How to Use the Nationwide vs WTW Crime Insurance Comparison

Use this comparison to evaluate Nationwide and WTW for Crime 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 WTW Crime Insurance Summary

WTW lists crime within its FINEX practice and says it seeks an insurer binder and checks policies against negotiated terms. Nationwide's overview names crime without itemizing coverage. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## 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 WTW?

WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. [5](https://www.wtwco.com/en-us/industries/manufacturing "Manufacturing") [6](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") [7](https://www.wtwco.com/en-us/solutions/marine "Marine") [8](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K")

[WTW profile](https://spot.insure/insurance-providers/wtw)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [13](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [14](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [15](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Nationwide and WTW Crime Insurance?

### Intermediary Process Versus Product Page

WTW lists crime insurance solutions within its Financial, Executive and Professional Risks practice, and normally acts as the client's intermediary under its North American terms. [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") Nationwide's overview describes crime as a commercial product and does not itemize insuring agreements. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### What Happens at Binding

WTW says an insurer quote is not confirmation of coverage and that, if you order binding, it seeks a formal insurer commitment, typically a binder. It also describes reviewing binders, policies and endorsements against negotiated terms. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") Nationwide points to an agent or quote request without stating a bind timeline. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line..)

### Shared Gaps

Neither reviewed source states crime limits or retentions, and WTW's sources identify no issuing insurer. [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Should You Confirm in Nationwide and WTW Crime Insurance Quotes?

- Ask WTW which insurer would issue the placement and on what form. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")
- Ask Nationwide which crime insuring agreements are included. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")
- Ask both for limits, retentions and the expected binding timeline. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")

## Nationwide vs WTW Crime Insurance Compared

| Criteria | Nationwide crime (official overview) | WTW Crime Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering crime for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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..) | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement..) |
| Issuing Insurer | Confirm in your quote. | The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") (Evidence: Not publicly disclosed; scope: This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy..) |
| Who It’s For | Commercial organizations considering management-liability products; page describes product options and underwriting review. [4](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | Confirm in your quote. |
| Coverage Features | The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. 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/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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..) | WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") (Evidence: Company-reported; scope: Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility..) |
| 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/ "Commercial Liability Products | Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [9](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") (Evidence: Not publicly disclosed; scope: No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control..) |
| Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording..) |
| 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/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: crime 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..) | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. [10](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line..) |

## Related Pages for Nationwide vs WTW Crime Insurance

- [Nationwide vs WTW](https://spot.insure/compare/nationwide-vs-wtw): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Nationwide vs WTW Cargo and Transit Insurance](https://spot.insure/compare/nationwide-vs-wtw/cargo-transit)
- [Nationwide vs WTW Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-wtw/commercial-property)
- [Nationwide vs WTW Cyber Insurance](https://spot.insure/compare/nationwide-vs-wtw/cyber)
- [Nationwide vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-wtw/employment-practices)
- [Nationwide vs WTW Management Liability Insurance](https://spot.insure/compare/nationwide-vs-wtw/management-liability)
- [Nationwide vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-wtw/professional-errors-omissions)
- [Nationwide vs WTW Surety Bonds](https://spot.insure/compare/nationwide-vs-wtw/surety-bonds)
- [AIG vs Nationwide Crime Insurance](https://spot.insure/compare/aig-vs-nationwide/crime)
- [AIG vs WTW Crime Insurance](https://spot.insure/compare/aig-vs-wtw/crime)
- [Alliance Risk vs Nationwide Crime Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/crime)
- [Alliance Risk vs WTW Crime Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/crime)
- [Aon vs Nationwide Crime Insurance](https://spot.insure/compare/aon-vs-nationwide/crime)
- [Aon vs WTW Crime Insurance](https://spot.insure/compare/aon-vs-wtw/crime)

## Sources for Nationwide vs WTW Crime 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. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Crime section; products list within management-liability specialty.. Accessed 2026-09-30.

### Sources About WTW

5. [Manufacturing](https://www.wtwco.com/en-us/industries/manufacturing). WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
6. [Digital Infrastructure Protector](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector). WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
7. [Marine](https://www.wtwco.com/en-us/solutions/marine). WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
8. [Residential | WTW](https://www.wtwco.com/en-us/industries/residential). WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old.. Accessed 2026-09-29.
9. [WTW 2024 Form 10-K](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm). U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29.. Accessed 2026-09-29.
10. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked.. Accessed 2026-09-28.

### Sources for the Crime Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
12. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
13. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
14. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
15. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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).

## WTW Review Scores for 2026

Review Score: 8.1 / 10 from 1 rated source, equally weighted.

WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.

- BBB: Complaints 4. BBB's Willis Towers Watson Chicago business profile; four complaints displayed for the preceding three years as of 2026-09-29. All four are marked unpursuable; displayed matters concern pension or employee-benefit administration, not commercial insurance brokerage placements. Period: Last three years; 0 closed in the last 12 months; BBB page reviewed 2026-09-29. Checked 2026-09-29. [Willis Towers Watson: Complaints](https://www.bbb.org/us/il/chicago/profile/insurance-companies/willis-towers-watson-0654-8000152/complaints)
- J.D. Power: 2017 Overall Broker Customer Satisfaction Index 807 (out of 1000). US/Canada large-commercial broker customer-satisfaction studies, 2016 and 2017 editions. They do not describe present service or WTW small-business clients. The 2017 release reports 2,506 evaluations across the study, not a WTW-specific sample. Period: 2017 study; 2 Power Circles; 2,506 study-wide evaluations, WTW-specific count not stated. Checked 2026-09-29. [2016 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2016244_large_comm_insurance_.pdf); [2017 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2017222_large_commercial_insurance.pdf); [2016 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2016-large-commercial-insurance-study); [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, J.D. Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Global wtwco.com company page; nine reviews and a 2.1/5 TrustScore on 2026-09-29. Visible reviews predominantly concern pensions, employee benefits, investments or international consumer interactions; not a US commercial-insurance buyer sample. Period: Displayed 2026-09-29. Checked 2026-09-29. [wtwco.com Reviews](https://www.trustpilot.com/review/www.wtwco.com)

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

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