LinesBOP, WC, GL, Commercial auto, Commercial property, Cyber, Umbrella, Auto, Home, Personal umbrella, Specialty
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Professional services | BOP | Most states | Targets law, CPA, tax prep, architect, design, consulting and advertising offices. BOP up to $20M building and BPP, $10M max TIV per building and $20M total sales. New ventures considered. Avoid banks, surveying, testing labs and R&D (Small Commercial Appetite Guide CMO-2078AO.14, Aug 2026). |
| Healthcare | BOP | Most states | Physician, dental, chiropractic, optometry, physical therapy and similar offices. BOP up to $20M building and BPP, $10M max TIV per building. Professional liability not available. Avoid surgery centers, mental health and substance abuse centers, pathology labs and ophthalmologists (Appetite Guide, Aug 2026). |
| Retail | BOP | Most states | Brick-and-mortar stores such as hardware, furniture, clothing, florists, auto parts and beauty supply. Up to $20M total sales, $5M per location and 25,000 sq ft max. Avoid tire dealers, convenience, grocery and liquor stores (Appetite Guide, Aug 2026). |
| Restaurants | BOP | Most states | Table service, quick service and takeout restaurants, bakeries and smoothie shops. $5M max sales per location. Minimum gross receipts $250K limited cooking, $500K full cooking, $750K fine dining. No new ventures, no hours past 10 p.m., liquor max 35% of receipts. Avoid bars, caterers and mobile food (Appetite Guide, Aug 2026). |
| Contractors | GL | Most states | Artisan contractors doing residential and light commercial maintenance and remodeling: tile, flooring, painting, electrical, plumbing/HVAC, landscaping, fencing, paving. GL up to $1.5M payroll. Contractors get GL, CP and IM rather than a BOP. New York not eligible for contractors (Appetite Guide, Aug 2026; National Appetite Flier CMO-2054AO.7, Sept 2026). |
| Contractors | WC | Most states | Workers' comp for target contractor classes with fewer than 50 employees and $50K to $1.5M total payroll. Subcontractors must name the insured as additional insured. Tower installation, directional boring and underground cable are outside appetite (Appetite Guide, Aug 2026). |
| Habitational | BOP | Most states | 1-4 family dwellings, apartments, HOAs, condo associations and lessors risk (except warehouses and strip malls). $10M max TIV per building. Building age limits apply. Excluded states vary by class; AR, CO, FL, GA, IA, NE, NY, SD and TX are excluded for all of them (Appetite Guide, Aug 2026). |
| Personal auto | Auto | Most states | Nationwide's personal lines appetite targets coverage-minded 'Protectors': families with a driver under 20 open to telematics, and empty nesters who drive less and may own a motorcycle or RV (Nationwide Personal Lines appetite page, Oct 2026). Quoted in Nationwide Express, which is not offered in CA, MA or OK. |
| Homeowners | Home | Most states | The same 'Protectors' appetite: homeowners who want more than minimum coverage, including downsizing empty nesters. Nationwide says appetite does not replace eligibility criteria, which vary by state. Coastal property, if eligible, goes through PolicyCenter rather than Nationwide Express (Personal Lines appetite page and Nationwide Express FAQ, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Motorcycle is one of the four product types agents start in Nationwide Express, alongside standard auto, property and umbrella (Nationwide Express FAQ, Oct 2026). Nationwide did not publish motorcycle size or rider eligibility limits. |
How to quote Nationwide
→Carrier portal. Quote directly in the Nationwide agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Sources
- Nationwide: Small commercial appetite page for agents
- Nationwide: Small Commercial Appetite Guide (CMO-2078AO.14, Aug 2026)
- Nationwide: Small Commercial National Appetite Flier (CMO-2054AO.7, Sept 2026)
- Nationwide: Small commercial appetite guide landing page
- Nationwide: Personal Lines appetite (Protectors)
- Nationwide: Nationwide Express FAQ
- Bold Penguin Help Center: Nationwide carrier resource guide (Aug 2026)
- Semsee: carrier list on homepage
- Applied Systems: Tarmika Carriers List (effective May 29, 2026; BOP, WC and GL bindable via Quick Quote; commercial auto and bundle live)