Nationwide Reviews 2026
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]
What reviewers and customers say about Nationwide business insurance, from NerdWallet, J.D. Power, ConsumerAffairs, Trustpilot and BBB.
Review Sources
Compare ratings on the same 10-point scale, including approximate BBB grade conversions. Open source details for the original score, sample and scope.
| Source | Score | What to Know |
|---|---|---|
| NerdWallet | 9.0/ 10 Original: 4.5 / 5 | NerdWallet rates Nationwide 4.5 out of 5, and notes fewer general-liability complaints than expected. Best for farms, construction and food businesses; a standard choice elsewhere.[1] Source detailsNerdWallet'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. NerdWallet review updated 2026-06-03 Checked |
| J.D. Power | 7.1/ 10 Original: 707 / 1000 2,848 reviews | Nationwide scored slightly above the 2025 industry average for small commercial customers. This is J.D. Power's satisfaction index, not a star rating.[2][3][8] Source details2025 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. J.D. Power 2025 study Checked |
| Trustpilot | 2.6/ 10 Original: 1.3 / 5 261 reviews Excluded from Review Score: Mostly personal-lines customers; the page does not separate commercial policyholders. | Trustpilot shows 1.3 out of 5 from 261 reviews, mostly one-star, about claim denials, premium increases and phone waits. Nationwide has not recently invited reviews and has not replied to negative ones, so the reviews may not be representative.[5] Source detailsNationwide'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. Trustpilot 69 reviews in the prior 12 months (checked 2026-09-29) Checked |
| ConsumerAffairs | 3.0/ 10 Original: 1.5 / 5 1,091 reviews Excluded from Review Score: This ConsumerAffairs page rates personal auto insurance, not commercial policies. | Customers rate Nationwide personal auto 1.5 out of 5 here. Shown for context; it does not describe business insurance.[6] Source detailsConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. ConsumerAffairs checked 2026-09-29 Checked |
| ConsumerAffairs | 5.0/ 10 Original: 2.5 / 5 19 reviews | Customers rate Nationwide small business insurance 2.5 out of 5 from 19 reviews. About 58% are one-star and 26% are five-star, so opinions are split.[10] Source detailsConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. ConsumerAffairs page updated Aug. 14, 2026; captured 2026-09-29 Checked |
| BBB | 10.0/ 10 BBB grade: A+ (approx.) | BBB gives Nationwide an A+ business grade. That reflects BBB's own criteria such as complaint handling, not customer satisfaction or financial strength.[7] Source detailsBBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. BBB Checked |
| BBB | 111Complaints | BBB lists 111 complaints closed in three years. Not counted in the score.[9] Source detailsSame 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. BBB closed in the last three years (checked 2026-09-29) Checked |
Other sources checked (1)
- NAIC
NAIC's own numbers haven't been confirmed. NerdWallet's summary of NAIC data (2022-2024) is reported in its own entry and reliability evidence.[4]
NAIC's own consumer complaint data for Nationwide Mutual (company code 23787) wasn't confirmed as of 2026-09-29.
NerdWallet rates Nationwide 4.5 out of 5
NerdWallet's editors give Nationwide 4.5 out of 5 in a review updated June 3, 2026. That is an expert score, not an average of customer votes.[1]
The review notes fewer general-liability complaints than expected. It says Nationwide is best for farms, construction and food businesses.[1]
J.D. Power scored Nationwide 707 in 2025
J.D. Power's 2025 small-business study surveyed 2,848 US businesses with 50 or fewer employees. Nationwide scored 707 out of 1,000, slightly above the 698 average.[2]
A 2026 study is out, but we found no Nationwide score from it.[3][8]
Small-business customers give 2.5 from 19 reviews
ConsumerAffairs' small-business page shows 2.5 out of 5 from 19 reviews. About 58% are one star and 26% are five stars, so opinions are split.[10]
Trustpilot shows 1.3 out of 5 from 261 reviews, mostly about claim denials, premium increases and phone waits. That page mixes personal and business customers, and Nationwide hasn't replied to the negative ones.[5]
What the Review Score counts
The score counts NerdWallet's 4.5, J.D. Power's small-business result, the 2.5 from ConsumerAffairs' small-business page and BBB's A+ grade. Trustpilot and ConsumerAffairs' personal auto page (1.5 from 1,091 reviews) are left out because they mostly cover personal insurance.[1][2][10][7][5][6]
BBB's A+ is its own rating of the company, not customer stars. BBB also lists 111 complaints closed in three years across all products, which are shown but not counted.[7][9]
Limitations
- We found no NAIC complaint figures for Nationwide.
- We found no Nationwide score from J.D. Power's 2026 study.
- Nineteen small-business reviews is a small group.
- Trustpilot, BBB and ConsumerAffairs mostly reflect personal insurance customers.
Questions to Ask
- Which Nationwide company would issue my policy, and who handles claims?
- Do you have experience with businesses like mine?
- How are premium increases decided at renewal?
- How do I reach someone if a claim is denied or delayed?
Disclosure
Spot’s interpretation separates editorial ratings, customer feedback, business grades and complaint data. Scores belong to the named sources; Original ratings and their scope are available in the source details. Research gaps are not evidence of poor service. Coverage and claims depend on the insurer and policy you buy.
Sources
- Nationwide Business Insurance Review 2026 — NerdWallet; Commercial review updated June 3, 2026; rating display lines 226–323; findings and contrary evidence lines 332–372; methodology lines 495–508.; accessed 2026-09-29.
- 2025 U.S. Small Commercial Insurance Study — J.D. Power; Ranking chart: Nationwide 707/1,000 and average 698; n=2,848 small commercial customers with <=50 employees, fielded Mar–May 2025.; accessed 2026-09-29.
- U.S. Small Commercial Insurance Study — J.D. Power; 2026 edition publish date August 11 and press release date August 18; public page inspected but no Nationwide score displayed.; accessed 2026-09-29.
- Consumer Insurance Search: NMI NAIC 23787 — National Association of Insurance Commissioners; Exact NMI query attempted Sep 29, 2026; official web reader returned an internal error before rendering a result.; accessed 2026-09-29.
- Nationwide Reviews — Trustpilot; Company profile/rating summary lines 95–136; totals, review process and representativeness language lines 156–199; mixed-line reviews.; accessed 2026-09-29.
- Nationwide Auto Insurance Reviews — ConsumerAffairs; Personal auto review page; displayed average/count and review moderation details lines 47–51, 178–198.; accessed 2026-09-29.
- Nationwide BBB Complaints Profile — Better Business Bureau; Headquarters/corporate-owned locations scope lines 60–65; complaint totals/categories lines 122–160; limitation on displayed complaints line 130.; accessed 2026-09-29.
- Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power — Carrier Management; Dated 2026-08-20. 2026 J.D. Power Small Commercial study: about 2,900 customers, industry average 713, top scores Erie 760, Chubb 746, Allstate 732. Nationwide's score not listed in the article.; accessed 2026-09-29.
- Nationwide BBB customer reviews — Better Business Bureau; A+, BBB Accredited, 269 customer reviews, 111 complaints closed in 3 years; no star average shown.; accessed 2026-09-29.
- Nationwide Small Business Insurance Reviews — ConsumerAffairs; Screenshot PDF captured 2026-09-29: 2.5 from 19 reviews, unclaimed profile.; accessed 2026-09-29.
