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. 1,2,3
What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 5,6,7,8
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 13,14
Key Differences in Cyber Insurance
How Breach Costs Use Limits
Coalition says breach-response expenses have a separate limit that does not use the limit for other coverages. CNA describes Epack 3 as an admitted modular package combining cyber with media, technology and professional liability. Those are different limit structures in the published descriptions; request both schedules to see how response spending affects the remaining limit for defense and liability. 9 4
Policyholder Security Services
Coalition includes Coalition Control at no additional cost, with attack-surface and vendor-risk monitoring, zero-day alerts and account security tools. CNA describes CyberAssist specialists, tools and services to identify vulnerabilities and respond, plus named breach-response vendors. Both records describe support alongside insurance, but only Coalition’s claim specifies that its listed platform is included without an added charge. Ask each provider which services attach to the exact policy and which require separate fees. 5 4
What to Confirm in Cyber Insurance Quotes
- Ask Coalition to show the separate breach-response limit and carrier for the proposed route; ask CNA to identify whether response costs erode a shared Epack 3 aggregate. 9 4
- Confirm which monitoring, response vendors and security tools are included in each quoted policy and whether any are optional or separately billed. 5 4
CNA and Coalition Review Scores for 2026
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.
CNA Review Score
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 reviewsCoalition Review Score
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsCNA vs Coalition Cyber Insurance Compared
CNA vs Coalition: Cyber Insurance: documented features by provider
| Criteria | CNA Cyber Insurance | Coalition Active Cyber Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. 9Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page. |
| Issuing Insurer | Confirm in your quote. | Admitted cyber policies are issued by Coalition Insurance Company. Non-admitted (surplus lines) policies are placed with unaffiliated insurers, so the carrier depends on the policy route. 10Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route. |
| Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 11Company-reported. Availability help article; eligibility for a particular business depends on underwriting. |
| Coverage Features | Confirm in your quote. | Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. 9Company-reported. Product-page description; the issued policy and declarations control. Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. 9Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued. |
| Limits and Retentions | Confirm in your quote. | Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. 12,9Company-reported. Excess product help article; limit and retention amounts appear only on quotes. |
| Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. 5Company-reported. Coalition Control policyholder features page. |
| How to Apply | Confirm in your quote. | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. 7Company-reported. Qualification help article; restates the verified provider fact broker-application. |
| Claims Support | Confirm in your quote. | Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. 9Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified. |
Related Pages for CNA vs Coalition Cyber Insurance
Cyber Insurance Pages for CNA and Coalition
Other Coverage Lines Compared for CNA vs Coalition
Other Cyber Insurance Provider Comparisons
Sources for CNA vs Coalition Cyber Insurance
Sources About CNA
- 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.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- 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.
- Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
Sources About Coalition
- Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; What excess products does Coalition offer, and in what regions? Accessed 2026-09-16.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
