Get Started

AIG vs CNA

AIG lists multiple U.S. insurance subsidiaries and says a policy’s issuer depends on the product; CNA directs small-business buyers to agents and says individual policies are the responsibility of the issuing CNA company. Buyers comparing the carriers should identify the actual insurer and agent for each quote. 1,4,18,17

Introduction

Coverage Comparison

CoverageAIGCNA
Builders riskListed AIG Builders RiskListed 46Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk
Business owner’s policyNot listedListed 24
Cargo and transitListed AIG Ocean CargoListed 25
Commercial autoListed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)Listed 26
Commercial propertyListed AIG Commercial Property / Retail PropertyListed 27
CrimeListed AIG Crime Insurance / CrimeGuard ChoiceListed 45named Management Liability coverage and configurable Epack 3 component
Cyber liabilityListed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)Listed 28
Directors and officersListed AIG Directors & Officers LiabilityListed 29
Employee health and benefitsListed AIG Medical Indemnity supplemental group health benefitNot listed
Employment practices liabilityListed AIG Employment Practices Liability InsuranceListed 30
Equipment breakdownListed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.Listed 31
Fidelity bondsListed AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form.Listed 32
Fiduciary liabilityListed AIG Fiduciary Liability Insurance / Fiduciary EdgeListed 33
General liabilityListed AIG Programs general liability (three separate program scopes)Listed 34
Hired and non-owned autoListed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product.Listed 44coverage within Commercial Auto
Kidnap and ransomListed AIG CrisiSolution K&R and extortionListed 45named Management Liability coverage and configurable Epack 3 component
Liquor liabilityListed AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied.Not listed
Management liabilityListed AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability.Listed 36
Media liabilityListed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)Listed 43component of Epack 3 package
Medical malpracticeNot listedListed 37
Product liabilityListed AIG Aviation Product LiabilityListed 38,40,39
Product recallListed 12AIG Multinational and Talbot market multinational Product Recall Insurance for named component-part, consumer-goods/topical/consumer-health and finished-goods segments; not an unrestricted U.S. standalone product, and the flyer does not resolve a specific policy issuer, account terms or jurisdiction-specific availability.Not listed
Professional errors and omissions (E&O)Listed AIG entity-based Professional Liability / Specialty Professional E&OListed 43currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Representations and warrantiesListed AIG Representations & Warranties InsuranceNot listed
Surety bondsNot listedListed 32
Technology errors and omissions (E&O)Listed AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.Listed 28
Tools, equipment and inland marineListed AIG Inland Marine (Transportation & Logistics; Construction & Equipment)Listed 35
TruckingListed AIG Truck Insurance GroupNot listed
Umbrella and excess liabilityListed AIG Excess Casualty (lead umbrella and mid/high excess)Listed 41
Workers’ compensationListed AIG Workers’ Compensation options by distinct channelListed 42

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Review Scores

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.

AIG

4.4/ 10

Review Score

2 rated sources

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]

Read AIG reviews

CNA

9.0/ 10

Review Score

1 rated source

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]

Read CNA reviews

Key Differences

CNA directs small-business buyers to agents, while AIG’s Surplus Lines description references small through large commercial solutions and its public tools focus on brokers and agents. This pairing is useful for comparing the exact commercial products and servicing route through a buyer’s agent; group-level descriptions do not establish eligibility. 1 2 18 19 17 1 2 3

Both companies describe agent or broker access for the routes reviewed. Ask the producer to identify the insurer that will receive the submission, whether a direct online step is available for the particular product and what written confirmation indicates coverage is bound. 4 18 19

CNA says its small-business agent portal provides policy documents, loss runs and claims information; AIG lists broker access to documents and loss runs, with claim portal functions varying by line and country. Compare the policy-specific service channel and claim instructions rather than assuming the portal descriptions predict claim outcomes. 4 5 18 20 22

What to Confirm in Quotes

  • Which legal CNA company or AIG subsidiary would issue the policy, and who is the appointed producer? 1 2 18 19 17
  • Compare the exact policy forms, limits, exclusions, deductibles and state availability for the requested business operations. 4 18 19
  • Ask who handles renewals, policy changes, certificates and claim reporting, and request the producer compensation and fee disclosure for the account. 4 5 18 20 22

Compare Services

What each provider documents about the services you may need

CriteriaAIGCNA
Business role

“AIG” is the marketing name for American International Group, Inc.'s worldwide operations. AIG says insurance products are written or provided by subsidiaries or affiliates; its U.S. legal notice lists multiple U.S.-domiciled property and casualty insurers but does not identify which company would issue a particular commercial policy. 1,2Company-reported. AIG group naming and the listed U.S.-domiciled property and casualty companies. The legal notice is not a policy-specific carrier assignment or complete ownership chart.

Loews Corporation owned approximately 92% of CNA Financial Corporation’s outstanding common stock as of December 31, 2025. 16Verified. CNA Financial Corporation common-stock ownership as reported for December 31, 2025 in its 2025 Form 10-K. This is not ownership of each subsidiary or policy and is not a percentage asserted beyond that date.

Application process

AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. 4Company-reported. Publicly listed North America broker/agent portal functions and U.S. producer appointment requests. Authenticated workflow and product-specific submission or binding steps were not reviewed.

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. 18,19Company-reported. CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Servicing and renewals

AIG lists its North America broker portal as a place for brokers and agents to access loss runs, policy documents, applications, and tools. The page does not explain how renewals are managed or promise renewal terms or timing. 4Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. 18,20Company-reported. Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.

A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. 21Company-reported. Company-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.

Sources

AIG Official Website

  1. Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
  2. Additional Legal Notices. AIG US; Notice to California and Massachusetts Applicants and Insureds; insurer table lines 246–327 and listing disclaimer line 329. Accessed 2026-09-29.
  3. Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
  4. AIG Login. AIG US; Brokers & Agents: myAIG Portal for North America, lines 71–76; U.S. Producer Appointment and Licensing, lines 100–104. Accessed 2026-09-28.
  5. IntelliRisk. AIG US; Help With Every Step of the Claim Process; primary property/casualty line list, portal functions, and line/country qualification, lines 267–279. Accessed 2026-09-28.
  6. Producer Compensation. AIG US; Broker and Independent Agent Compensation and 2024 U.S. scope, lines 242–246; commissions, contingent compensation, and reporting limitations, lines 251–269 and 299–310. Accessed 2026-09-28.
  7. AIG Programs Insurance. AIG US; AIG Programs overview/product breadth and package-or-monoline description, lines 242–279; specific Management Liability program for private/non-profit companies, line $50m revenue scope and D&O/EPL/Fiduciary lines, lines 499–509; Manufactured Housing program and hired/non-owned auto, lines 512–525; multi-line examples and nationwide location markers, HTML inspected 2026-09-29. Accessed 2026-09-29.
  8. Cyber Insurance - CyberEdge Cyber Liability Insurance. AIG US; AIG CyberEdge overview, product structures and line-specific services, lines 242–269; product identity/version descriptions reopened in the page’s CyberEdge/Plus/PC sections, HTML inspected 2026-09-29. Accessed 2026-09-29.
  9. Truck Insurance Group. AIG US; Product page states admitted auto liability, physical damage and general liability for small-to-mid-size for-hire trucking firms with heavy vehicle fleets 26,000+ lbs; predominant Class A/B CDL drivers, 11–250 power units, four years operating experience, select-broker route; lines 242–247. Accessed 2026-09-29.
  10. Professional Liability Insurance. AIG US; AIG E&O overview names public/private service providers and distinct Specialty Professional E&O, Technology Services, Media Content, Publishers and Broadcasters, and Manufacturers E&O scopes; lines 327–357; current HTML inspected 2026-09-29. Accessed 2026-09-29.
  11. Employment Practices Liability Insurance. AIG US; AIG EPL policy describes primary limits up to $25m, additional excess limits may be available, third-party discrimination/harassment in the described form, and availability on a combined basis with its private-company D&O form; lines 253–266, HTML inspected 2026-09-29. Accessed 2026-09-29.
  12. AIG Multinational Product Recall Summary Sheet. AIG US; Pages 1–2; page 1 describes the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component-part manufacturers, consumer goods/topical and consumer health, and finished goods; page 2 footer version GB0748AR 0426 v3. Accessed 2026-09-29.
  13. AIG Medical Indemnity Insurance. AIG US; Official AIG Medical Indemnity product page; supplemental group/employer health benefit, plan options, administration and claims sections; issuer and state caveat as shown; HTML inspected 2026-09-29. Accessed 2026-09-29.
  14. AIG Aerospace & Aviation. AIG US; Official AIG Aerospace & Aviation page; Aviation Product Liability and Aircraft Products Application sections; page inspected 2026-09-29. Accessed 2026-09-29.
  15. Crime and Fidelity Insurance. AIG US; Official AIG crime page; crime products for commercial and governmental entities, distinguishes crime cover from financial institution bonds and names financial institutions as the latter audience; lines 242–278; HTML inspected 2026-09-29. Accessed 2026-09-29.

CNA Official Website

  1. CNA Financial Corporation 2025 Form 10-K. U.S. Securities and Exchange Commission; CNA Financial Corporation filer; 2025 Form 10-K, Part I, Item 1 “Business,” opening paragraph (company status, CNA group definition, operating-company list); Note A “Basis of Presentation”; Item 1 ownership statement; exact filing text from SEC indexing and the alternate SEC-hosted annual-report PDF, accessed 2026-09-28. Accessed 2026-09-28.
  2. General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
  3. Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
  4. United States. CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
  5. Small Business | CNA Central Agent Guide. CNA; CNA Central Agent Guide, pages 1-2; access credential note and agent portal context, page 1 lines 3-8; Get a Quote, lines 12-22; Service My Accounts, lines 39-66; copyright/trademark footer, page 2 lines 68-71 (Copyright © 2022). Accessed 2026-09-28.
  6. Small Business Service Center. CNA; One-page Small Business Service Center handout, lines 0-27 (service functions, weekday hours, continuing agency relationship, enrollment/account selection); lines 40-43 (legal/distribution limitations, trademark, copyright © 2021). Accessed 2026-09-28.
  7. Report an Insurance Claim. CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
  8. United States | CNA Insurance. CNA; Official U.S. Locations page title, observed on page open; page body begins at lines 21-35. Accessed 2026-09-28.
  9. CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
  10. Ocean Cargo | CNA. CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
  11. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
  12. Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
  13. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
  14. Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
  15. Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
  16. Equipment Breakdown Insurance | CNA Insurance. CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
  17. CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
  18. Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
  19. Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
  20. Inland & Ocean Marine Insurance | CNA Insurance. CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
  21. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
  22. Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.
  23. Life Sciences Insurance | CNA. CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
  24. Small Business Life Sciences Insurance | CNA. CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
  25. Life Sciences Coverage Highlights FAQ | CNA. CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
  26. Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
  27. Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
  28. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 48-52 Epack 3 modular policy combines cyber, media, technology and professional liability; lines 64-84 MPL and media; line 128 CNA brand disclosure and ©2026. Accessed 2026-09-29.
  29. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 28-30 and coverages lines 31-34; commercial auto covers business-use owned, hired and non-owned vehicles; ©2026 at line 61. Accessed 2026-09-29.
  30. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 33-44 name crime and kidnap/ransom/extortion; lines 49-54 describe modular Epack 3 and flexible coverage mix; ©2026 at line 80. Accessed 2026-09-29.
  31. Inland & Ocean Marine Insurance | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 29-35 describe Inland Marine and Builders Risk appetite; lines 46-54 separately list Ocean Marine and Hull Builders Risk; ©2026 at line 84. Accessed 2026-09-29.
  32. Small Business Insurance Solutions for Life Sciences | CNA Insurance. CNA; U.S. page, opened 2026-09-29: page issue marker 06.17.2025 at line 75; line 63-65 describes monoline product liability with E&O and automatic Class 1 recall mitigation-expense benefit; line 74 says issuer, availability and policy-terms qualifications; ©2026 line 101. Accessed 2026-09-29.
  33. Life Sciences Coverage FAQs. CNA; PDF opened 2026-09-29: p.1 lines 10-18 Class 1 recall supplementary benefit and sublimit; p.1 lines 31-34 circumstance-reporting exception; p.2 lines 104-109 says illustrative, policy controls, availability varies and copyright ©2023 / 20230314. Historical detailed qualification, not a current form. Accessed 2026-09-29.
  34. Manufacturer Insurance: Best Companies, Costs and Coverages. NerdWallet; Published 2026-03-26; CNA section, lines 348-359: manufacturer-specific editorial assessment says relatively low property/liability complaints and workers-comp complaints slightly higher than expected for company size; no full CNA review. Re-read 2026-09-29. Accessed 2026-09-29.
  35. CNA Insurance Reviews. Trustpilot; CNA.com profile, lines 40-72 and current review entries including business billing complaint (lines 59-63) and long-term-care reports (lines 66-70); profile says reviews are individual opinions at line 177. Self-selected mixed review population, not a representative commercial-insurance outcome. Re-read 2026-09-29. Accessed 2026-09-29.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot