🇺🇸 USA
Nationwide Property & Casualty Insurance Company (Nationwide Mutual Insurance Company (USA))

Enterprise Cyber Insurance

by Nationwide Property & Casualty Insurance Company
B2BA+Direct—GlobalEnglish
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Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Bespoke; enterprise capacity.
Min Premium / Revenue
Large enterprise; no published minimum.
Market Focus
Large enterprise; comprehensive cyber coverage.
AM Best Rating
A+ (Superior) – AM Best (Nationwide Mutual Insurance Company)
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global.
Broker Only
No

Advantages & Limitations§ 02

Advantages

  • Two distinct products:
  • — Enterprise Cyber Insurance: large and mid-market businesses; includes loss prevention services, cyber safety tools, continuous motor vehicle record monitoring for commercial and agribusiness.
  • — Cyber Liability & Data Breach Insurance: available direct via nationwide.com; call 1-888-490-1549; covers data breach, cyber attack, BI loss, regulatory costs.
  • Nationwide: one of the largest US P&C mutuals; $73.2B total sales 2025 (record); $32.8B adjusted capital (record); net operating income $4.3B (+37% vs 2024).
  • Nationwide Financial recorded highest-ever sales and earnings in 2025.
  • "Predict and prevent" strategy: cyber safety tools embedded in commercial policies.

Limitations

  • Mutual insurer (no public equity float).
  • 12% DPW decline 2022–23 as pricing softened.

Contact & Response§ 03

Customer Contact
1-888-490-1549 / https://www.nationwide.com/business/insurance/cyber-liability/
24/7 Crisis Hotline
Via policy documentation.
Broker Contact
https://www.nationwide.com/agent-resources/