---
title: "Nationwide vs Zurich U.S.: Surety Bonds"
description: "Zurich publishes a broad contract-surety list: bid, performance, labor and material payment, subcontract, subdivision, maintenance, supply, license and permit, and environmental bonds."
canonical: "https://spot.insure/compare/nationwide-vs-zurich/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-zurich"
provider-a: "nationwide"
provider-b: "zurich"
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-zurich/surety-bonds)

## Agent Guide

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

**Key facts:**
- Line: Surety Bonds. Providers: Nationwide and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/nationwide-vs-zurich) — 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)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Nationwide vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/nationwide-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Crime Insurance](https://spot.insure/compare/nationwide-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/nationwide-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. D&O Insurance](https://spot.insure/compare/nationwide-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-zurich/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 Zurich U.S. Surety Bonds](https://spot.insure/compare/aon-vs-zurich/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 Zurich U.S. Surety Bonds](https://spot.insure/compare/baldwin-vs-zurich/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 Zurich U.S. Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Nationwide vs Zurich U.S.: How Do They Compare for Surety Bonds?

Zurich publishes a broad contract-surety list: bid, performance, labor and material payment, subcontract, subdivision, maintenance, supply, license and permit, and environmental bonds.

## How to Use the Nationwide vs Zurich U.S. Surety Bonds Comparison

Use this comparison to evaluate Nationwide and Zurich U.S. 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 Zurich U.S. Surety Bonds Summary

Zurich publishes a broad contract-surety list: bid, performance, labor and material payment, subcontract, subdivision, maintenance, supply, license and permit, and environmental bonds. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## 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)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [10](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [11](https://www.chubb.com/us-en/surety.html "Surety Bonds") [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Nationwide and Zurich U.S. Surety Bonds?

### Bond Types and Responsibilities

Zurich publishes a broad contract-surety list: bid, performance, labor and material payment, subcontract, subdivision, maintenance, supply, license and permit, and environmental bonds. Nationwide describes commercial surety generally without naming bond forms. Contractors can use Zurich’s list to check an initial fit, then should verify the exact obligee form with either provider. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

### Placement and Support

Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000 and regional companies, plus qualified transactional buyers. Nationwide’s overview addresses businesses and principals seeking commercial bonds but gives no size segmentation. Ask Zurich which underwriting category applies to your firm and ask Nationwide how the obligation and applicant shape eligibility. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

### Application Route

Zurich Surety Express lets users book new bonds, view renewals and modify existing bonds, and Zurich offers a bond validator. Nationwide routes prospects to an agent or quote request. If you manage repeat bonds, ask Zurich which bond types support online servicing; ask Nationwide how to request changes and confirm renewal status. [4](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## What Should You Confirm in Nationwide and Zurich U.S. Surety Bonds Quotes?

- Ask Nationwide and Zurich U.S. 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") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## Nationwide vs Zurich U.S. Surety Bonds Compared

| Criteria | Nationwide surety bonds (official overview) | Zurich Contract and Commercial Surety Bonds |
| --- | --- | --- |
| 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..) | Confirm in your quote. |
| 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..) | Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000/regional companies and qualified transactional buyers. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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..) | Zurich contract surety includes bid, performance, labor/material payment, subcontract, subdivision, maintenance, supply, license/permit and environmental bonds. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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..) | Confirm in your quote. |
| 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..) | Surety Express lets users book new bonds, view renewals and modify existing bonds; Zurich also provides a bond validator. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |

## Related Pages for Nationwide vs Zurich U.S. Surety Bonds

- [Nationwide vs Zurich U.S.](https://spot.insure/compare/nationwide-vs-zurich): 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 Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/nationwide-vs-zurich/builders-risk)
- [Nationwide vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-zurich/commercial-auto)
- [Nationwide vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/nationwide-vs-zurich/commercial-property)
- [Nationwide vs Zurich U.S. Crime Insurance](https://spot.insure/compare/nationwide-vs-zurich/crime)
- [Nationwide vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/nationwide-vs-zurich/cyber)
- [Nationwide vs Zurich U.S. D&O Insurance](https://spot.insure/compare/nationwide-vs-zurich/directors-officers)
- [Nationwide vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/employment-practices)
- [Nationwide vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/fiduciary)
- [Nationwide vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/general-liability)
- [Nationwide vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-zurich/inland-marine)
- [Nationwide vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/management-liability)
- [Nationwide vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-zurich/professional-errors-omissions)
- [Nationwide vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/nationwide-vs-zurich/umbrella-excess)
- [Nationwide vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-zurich/workers-compensation)
- [Aon vs Nationwide Surety Bonds](https://spot.insure/compare/aon-vs-nationwide/surety-bonds)
- [Aon vs Zurich U.S. Surety Bonds](https://spot.insure/compare/aon-vs-zurich/surety-bonds)
- [The Baldwin Group vs Nationwide Surety Bonds](https://spot.insure/compare/baldwin-vs-nationwide/surety-bonds)
- [The Baldwin Group vs Zurich U.S. Surety Bonds](https://spot.insure/compare/baldwin-vs-zurich/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 Zurich U.S. Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich/surety-bonds)

## Sources for Nationwide vs Zurich U.S. 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 Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.

### Sources for the Surety Bonds Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
9. [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.
10. [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.
11. [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.
12. [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).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/nationwide-vs-zurich/surety-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)