---
title: "Amelia Risk vs CNA: Hired and Non-Owned Auto Insurance"
description: "Amelia Risk describes when HNOA sits excess over an employee’s personal auto policy; CNA’s application collects personal-auto limits, rental use and loss history."
canonical: "https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "amelia-risk-vs-cna"
provider-a: "amelia-risk"
provider-b: "cna"
coverage-line: "hired-non-owned-auto"
---

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/amelia-risk-vs-cna/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and CNA for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Amelia Risk versus CNA. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs CNA for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Amelia Risk or CNA?
- What does Amelia Risk or CNA publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Hired and Non-Owned Auto Insurance from Amelia Risk or CNA?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Amelia Risk and CNA.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Amelia Risk vs CNA](https://spot.insure/compare/amelia-risk-vs-cna) — parent: all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence)
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-amelia-risk/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

# Amelia Risk vs CNA: How Do They Compare for Hired and Non-Owned Auto Insurance?

Amelia Risk describes when HNOA sits excess over an employee’s personal auto policy; CNA’s application collects personal-auto limits, rental use and loss history.

## How to Use the Amelia Risk vs CNA Hired and Non-Owned Auto Insurance Comparison

Use this comparison to evaluate Amelia Risk and CNA for Hired and Non-Owned Auto Insurance 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.

## Amelia Risk vs CNA Hired and Non-Owned Auto Insurance Summary

Amelia Risk explains personal-auto gaps and says non-owned liability can sit excess when personal limits are exhausted. CNA’s supplemental application asks about those personal-auto limits, rentals, prior HNOA, and five years of losses. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [11](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## What Is Amelia Risk?

Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [6](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [7](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [8](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [14](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## What Are the Key Differences Between Amelia Risk and CNA Hired and Non-Owned Auto Insurance?

### How Personal Auto Fits

Amelia Risk explains that a personal auto policy may not defend a company named after an employee’s business-use crash, and says HNOA can sit excess if the personal limits are exhausted. CNA describes bodily injury and property damage liability for hired or non-owned vehicles used in business, and its supplemental application asks for employee personal-auto limits, rentals, prior HNOA, and five years of losses. Together, these details make employees’ own policies central to underwriting and coordination. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [11](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [9](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses")

### Placement Process

Amelia Risk gathers company information, approaches multiple insurers, and reviews resulting quotes with the client; it says HNOA may be bundled with GL or placed standalone. CNA’s published application is a direct carrier submission tool, with questions about use and loss experience rather than a described multi-market review. Ask which option fits your existing GL or auto program and who handles placement. [2](https://ameliarisk.com/specialties/ "Our Specialties") [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [11](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## What Should You Confirm in Amelia Risk and CNA Hired and Non-Owned Auto Insurance Quotes?

- Ask Amelia Risk how the proposed HNOA coordinates with each driver’s personal limits and rentals. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies")
- Ask CNA which drivers, vehicles, prior coverage, and loss periods its application requires. [11](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## Amelia Risk vs CNA Hired and Non-Owned Auto Insurance Compared

| Criteria | Hired & Non-Owned Auto Liability | Commercial Auto – Hired and Non-Owned Auto |
| --- | --- | --- |
| Role in This Line | Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement..) | Confirm in your quote. |
| Who It’s For | Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage..) | CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. [10](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: The guide explains the exposure and is not itself policy language or an eligibility rule..) |
| Coverage Features | Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form..)<br><br>Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording..)<br><br>Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance..)<br><br>Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5's hired-auto explanation..) | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [9](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions..) |
| Risk Services | Confirm in your quote. | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. [9](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: These are commercial-auto program services, not proof of a particular account’s enrollment or outcome..) |
| How to Apply | Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form..) | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. [11](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today..) |

## Related Pages for Amelia Risk vs CNA Hired and Non-Owned Auto

- [Amelia Risk vs CNA](https://spot.insure/compare/amelia-risk-vs-cna): all coverage lines, business roles, service and claims.
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles.
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy)
- [Amelia Risk vs CNA Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cargo-transit)
- [Amelia Risk vs CNA Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cyber)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers)
- [Amelia Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/employment-practices)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability)
- [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability)
- [Amelia Risk vs CNA Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/technology-errors-omissions)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation)
- [AIG vs Amelia Risk Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-amelia-risk/hired-non-owned-auto)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/hired-non-owned-auto)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto)
- [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto)

## Sources for Amelia Risk vs CNA Hired and Non-Owned Auto Insurance

### Sources About Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [General Liability](https://ameliarisk.com/insurance-policies/general-liability/). Amelia Risk Insurance Brokers; Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note. Accessed 2026-09-23.
5. [Insurance for CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation. Accessed 2026-09-23.

### Sources About CNA

6. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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.
7. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
8. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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.
9. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30.. Accessed 2026-09-30.
10. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30.. Accessed 2026-09-30.
11. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Sources for the Hired and Non-Owned Auto Insurance Guide

12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
13. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
14. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Amelia Risk Review Scores for 2026

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.

- Google: Google star rating shown 1 (5 stars); 1 reviews. One named Pleasant Hill, California local-agent listing for the exact Amelia Risk Insurance Brokers LLC name; not firmwide or commercial-line-specific. Checked 2026-09-25. [Amelia Risk Insurance Brokers LLC | Local agents in Pleasant Hill, CA](https://agents.libertymutual.com/find-an-agent/state/california/pleasant-hill/amelia-risk-insurance-brokers-llc_4724726398)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/amelia-risk/reviews).

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
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