---
title: "CNA vs Coalition"
description: "Compare CNA’s agent-directed small-business route with Coalition’s documented business role and buying or service model."
canonical: "https://spot.insure/compare/cna-vs-coalition"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/cna-vs-coalition)

# CNA vs Coalition

Compare CNA’s agent-directed small-business route with Coalition’s documented business role and buying or service model.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

CNA directs small-business buyers to agents, while Coalition’s published materials document its application route. Compare how each handles your submission and policy support, then confirm the actual insurer, terms, and service contact in writing. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [48](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### CNA

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best's own page for Continental Casualty could not be opened (blocked to automated access). The A+ rating is taken from CNA's annual report.; Licenses were checked in California only, for two companies. The other named CNA companies and other states were not checked.; No company-by-company statutory surplus and no policy-to-issuer mapping were reviewed.; Regulator searches covered New York and Texas actions found by web search, not every state. A separate 2024 New York filing-timeliness fine surfaced in a search summary but was not opened, so it is not counted.; CNA publishes no claims response-time commitments or staffing counts on the claims page.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best's own page for Continental Casualty could not be opened (blocked to automated access). The A+ rating is taken from CNA's annual report.; Licenses were checked in California only, for two companies. The other named CNA companies and other states were not checked.; No company-by-company statutory surplus and no policy-to-issuer mapping were reviewed.; Regulator searches covered New York and Texas actions found by web search, not every state. A separate 2024 New York filing-timeliness fine surfaced in a search summary but was not opened, so it is not counted.; CNA publishes no claims response-time commitments or staffing counts on the claims page.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/cna/reliability).

### Coalition

Role: Hybrid role.

Broker Spot Score: **6.1/10** (partial score; 75% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **6.3/10** (partial score; 80% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/coalition/reliability).

## CNA Reviews

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).

## Coalition Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

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.

- BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints)
- RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews)
- BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition)

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





## Coverage Comparison

| Coverage Type | CNA | Coalition |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk [31](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance | CNA Insurance") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [9](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed [10](https://www.cna.com/sites/default/files/assets/d76bf361-a08f-45e2-a2c1-151732208c58/2402-MKTG-ss-Ocean-Cargo-Marine-v5.pdf?ContentCache=NONE&MOD=AJPERES "Ocean Cargo | CNA") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [11](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed [12](https://www.cna.com/products/property "Commercial Property Insurance | CNA Insurance") | Not listed |
| [Crime](https://spot.insure/coverage/crime) | Listed: named Management Liability coverage and configurable Epack 3 component [30](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Listed: Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. [40](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [13](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Coalition offers cyber insurance. [42](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed [14](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") | Listed: Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. [40](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed [15](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") | Listed: Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. [40](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed [16](https://www.cna.com/products/equipment-breakdown "Equipment Breakdown Insurance | CNA Insurance") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed [17](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed [18](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") | Listed: Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. [40](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [19](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") | Not listed |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: coverage within Commercial Auto [29](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: named Management Liability coverage and configurable Epack 3 component [30](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed [21](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Listed: component of Epack 3 package [28](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Coalition identifies media liability within its Active Cyber policy. [53](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed [22](https://www.cna.com/sites/default/files/assets/04073b90-65ec-4053-b51a-a072591a5395/cna-healthcare-capabilities-brochure.pdf?MOD=AJPERES "Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed [23](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") [25](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") [24](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component [28](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. [41](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed [17](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed [13](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. [36](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed [20](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance | CNA Insurance") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [26](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [27](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") | Not listed |

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.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between CNA and Coalition

### Business Roles and Access

CNA’s documented small-business access begins with an agent. Coalition describes its role as follows; ask which entity will advise, place, service, and issue the policy you are considering.

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. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

Coalition’s record describes a separate role and route. Compare the actual parties named in each proposal; a brand or platform name alone does not establish who advises, places, services, or underwrites a policy.

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. [37](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [42](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

### Applications and Buying Process

CNA’s published small-business route is agent-directed. Coalition documents the following application approach, which may be a better fit when it matches how you want to submit business information and work through options.

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. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. [48](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

### Coverage and Policy Service

The comparison table shows the current listed coverage categories for both providers. Matching labels are only a starting point: ask for each proposed policy form, endorsements, limits, deductibles or retentions, and exclusions. CNA describes this service route for its stated scope; Coalition’s record describes its own service model.

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. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid= "Small Business | CNA Central Agent Guide") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. [43](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

### Claims Reporting

Before selecting either route, identify the issuer and the exact instructions that apply to each policy. CNA’s source describes its reporting entry point and stated limits; Coalition’s fact records the available claims information within its documented scope. These descriptions do not establish claim outcomes.

CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. [7](https://www.cna.com/claims-center "Report an Insurance Claim") (Evidence: Company-reported; scope: CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.; verified: 2026-09-28.)

Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. [44](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [36](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

## What to Confirm in Quotes

Ask CNA and Coalition to identify the producer or advisor, issuing insurer, and policy-specific service contact for every proposed line. Request the same limits, deductibles or retentions, retroactive dates where applicable, endorsements, exclusions, fees, and effective dates so you can compare the actual terms. Confirm who handles routine changes and renewal questions, and get the claims reporting instructions with the policy documents. CNA’s small-business route starts with an agent; ask Coalition who will guide your submission and what support continues after binding.

## Compare Services

What each provider documents about the services you may need.

| Criteria | CNA | Coalition |
| --- | --- | --- |
| Application process | 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. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. [48](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. [47](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) |
| Servicing and renewals | 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. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid= "Small Business | CNA Central Agent Guide") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)<br><br>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. [6](https://www.cna.com/system/files/agentcenter/a7ed16c6-bcc4-4673-836c-7461d77b585a/2510-SB-ss-Small-Business-Service-Center-v2%2B%25281%2529.pdf "Small Business Service Center") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. [43](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. [50](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) |
| Claims assistance | CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. [7](https://www.cna.com/claims-center "Report an Insurance Claim") (Evidence: Company-reported; scope: CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.; verified: 2026-09-28.) | Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. [44](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [36](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) |

## Related Reading

- [CNA Small Business Insurance: Products, Agents and Service](https://spot.insure/insurance-providers/cna)
- [What Is Coalition Insurance?](https://spot.insure/insurance-providers/coalition)

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- [Beazley vs CNA](https://spot.insure/compare/beazley-vs-cna)
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition)
- [Berkshire Hathaway Specialty Insurance vs CNA](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna)
- [Berkshire Hathaway Specialty Insurance vs Coalition](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition)
- [biBerk vs CNA](https://spot.insure/compare/biberk-vs-cna)
- [biBerk vs Coalition](https://spot.insure/compare/biberk-vs-coalition)
- [CFC vs CNA](https://spot.insure/compare/cfc-vs-cna)
- [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition)
- [Chubb vs CNA](https://spot.insure/compare/chubb-vs-cna)
- [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition)
- [CNA vs Corgi](https://spot.insure/compare/cna-vs-corgi)
- [CNA vs Coterie Insurance](https://spot.insure/compare/cna-vs-coterie)
- [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart)
- [CNA vs Coverdash](https://spot.insure/compare/cna-vs-coverdash)
- [CNA vs Cowbell](https://spot.insure/compare/cna-vs-cowbell)
- [CNA vs Embroker](https://spot.insure/compare/cna-vs-embroker)
- [CNA vs Founder Shield](https://spot.insure/compare/cna-vs-foundershield)
- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi)
- [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie)
- [Coalition vs Counterpart](https://spot.insure/compare/coalition-vs-counterpart)
- [Coalition vs Coverdash](https://spot.insure/compare/coalition-vs-coverdash)
- [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield)

## Sources

### [CNA Official Website](https://www.cna.com)

1. [CNA Financial Corporation 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/21175/000002117526000011/cna-20251231.htm). 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](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.
3. [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.
4. [United States](https://www.cna.com/about/locations/us). CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
5. [Small Business | CNA Central Agent Guide](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid=). 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](https://www.cna.com/system/files/agentcenter/a7ed16c6-bcc4-4673-836c-7461d77b585a/2510-SB-ss-Small-Business-Service-Center-v2%2B%25281%2529.pdf). 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](https://www.cna.com/claims-center). CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
8. [United States | CNA Insurance](https://www.cna.com/about/locations/us). 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](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
10. [Ocean Cargo | CNA](https://www.cna.com/sites/default/files/assets/d76bf361-a08f-45e2-a2c1-151732208c58/2402-MKTG-ss-Ocean-Cargo-Marine-v5.pdf?ContentCache=NONE&MOD=AJPERES). 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](https://www.cna.com/products/commercial-auto). CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
12. [Commercial Property Insurance | CNA Insurance](https://www.cna.com/products/property). CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
13. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
14. [Private Company Directors & Officers Liability | CNA](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
15. [Employment Practices Liability | CNA](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES). 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](https://www.cna.com/products/equipment-breakdown). CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
17. [CNA Surety - Surety and Fidelity Bonds | CNA Insurance](https://www.cna.com/products/cna-surety). CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
18. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
19. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
20. [Inland & Ocean Marine Insurance | CNA Insurance](https://www.cna.com/products/marine). CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
21. [Management Liability Insurance and Professional Liability | CNA Insurance](https://www.cna.com/products/management-liability). CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
22. [Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA](https://www.cna.com/sites/default/files/assets/04073b90-65ec-4053-b51a-a072591a5395/cna-healthcare-capabilities-brochure.pdf?MOD=AJPERES). 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](https://www.cna.com/industries/life-sciences). CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
24. [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences). CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
25. [Life Sciences Coverage Highlights FAQ | CNA](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). 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](https://www.cna.com/products/umbrella). CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
27. [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation). CNA; Benefits, prevention, claims. Accessed 2026-09-28.
28. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). 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](https://www.cna.com/products/commercial-auto). 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](https://www.cna.com/products/management-liability). 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](https://www.cna.com/products/marine). 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](https://www.cna.com/solutions/small-business/life-sciences). 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](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). 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](https://www.nerdwallet.com/business/insurance/learn/manufacturers). 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](https://www.trustpilot.com/review/www.cna.com). 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.

### [Coalition Official Website](https://www.coalitioninc.com/)

36. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
37. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
38. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
39. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
40. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
41. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
42. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
43. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
44. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
45. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage) Coalition; United States. Accessed 2026-09-16.
46. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products) Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
47. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
48. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition) Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
49. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage) Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
50. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition) Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
51. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money) Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
52. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
53. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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