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. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
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. 8,9,10,11,12
Key Differences in Crime Insurance
Defined Insuring Agreements
Zurich describes employee theft as direct loss of money, securities or property from theft or forgery, and separates computer fraud from funds transfer fraud 7. Nationwide's overview does not itemize crime insuring agreements 4.
Services
Zurich Resilience Solutions offers crime-risk assessment followed by recommendations 7. Nationwide's reviewed page lists no crime-specific service 4.
Standalone or Package
Zurich offers crime as standalone policies or package solutions for public and private companies 7. Nationwide ties crime to its management-liability product range and leaves limits to the policy form 4.
What to Confirm in Crime Insurance Quotes
- Ask Nationwide whether employee theft, computer fraud and funds transfer fraud are separate grants.
- Ask Zurich whether a standalone or package form fits you and what the retentions are.
- Confirm whether a crime-risk assessment is available before quoting.
Nationwide and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide Review Score
Review Score
4 rated sources
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.[1][10]
Read Nationwide reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsNationwide vs Zurich U.S. Crime Insurance Compared
Nationwide vs Zurich U.S.: Crime Insurance: documented features by provider
| Criteria | Nationwide crime (official overview) | Zurich Commercial Crime Insurance |
|---|---|---|
| Role in This Line | Nationwide describes offering crime for the audience stated on the cited product page. 4Company-reported. 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. |
| Who It’s For | Commercial organizations considering management-liability products; page describes product options and underwriting review. 4Company-reported. 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. | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. 7Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary. |
| 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. 4Company-reported. 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. | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. 7Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control. Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. 7Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms. |
| 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. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. 7Company-reported. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant. |
| 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. 4Company-reported. 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. |
Related Pages for Nationwide vs Zurich U.S. Crime Insurance
Crime Insurance Pages for Nationwide and Zurich U.S.
Other Coverage Lines Compared for Nationwide vs Zurich U.S.
Other Crime Insurance Provider Comparisons
Sources for Nationwide vs Zurich U.S. Crime Insurance
Sources About Nationwide
- Small Business Insurance. 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.
- Small Business Insurance Solutions for Agents. 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.
- Terms and Conditions for Nationwide.com. 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.
- Commercial Liability Products | Nationwide. Nationwide; Crime section; products list within management-liability specialty. Accessed 2026-09-30.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. 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.
- Commercial Crime Coverage Application. 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.
