---
title: "CNA vs Counterpart: D&O Insurance"
description: "Counterpart publishes separate D&O pages for private companies and nonprofits through wholesale brokers; CNA’s Epack 3 is for private companies."
canonical: "https://spot.insure/compare/cna-vs-counterpart/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-counterpart"
provider-a: "cna"
provider-b: "counterpart"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-counterpart/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of CNA and Counterpart for D&O 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 D&O Insurance questions about CNA versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Counterpart for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, CNA or Counterpart?
- What does CNA or Counterpart publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from CNA or Counterpart?

**Key facts:**
- Line: D&O Insurance. Providers: CNA and Counterpart.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [CNA vs Counterpart Crime Insurance](https://spot.insure/compare/cna-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart General Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) — 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 Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)

# CNA vs Counterpart: How Do They Compare for D&O Insurance?

Counterpart publishes separate D&O pages for private companies and nonprofits through wholesale brokers; CNA’s Epack 3 is for private companies.

## How to Use the CNA vs Counterpart D&O Insurance Comparison

Use this comparison to evaluate CNA and Counterpart for D&O 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.

## CNA vs Counterpart D&O Insurance Summary

Counterpart publishes separate D&O pages for private companies and nonprofits through wholesale brokers; CNA’s Epack 3 is for private companies. [4](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") [7](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [8](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

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

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [5](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [6](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between CNA and Counterpart D&O Insurance?

### Buyer type and access

Counterpart’s reviewed offering separates private-company and nonprofit D&O products and distributes through a wholesale broker. CNA’s reviewed Epack 3 D&O is aimed at private companies. A nonprofit should ask Counterpart for its nonprofit form and CNA whether Epack 3 is suitable for that organization rather than infer availability from the private-company summary. [4](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") [7](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

### How the Difference Affects Your Placement

CNA identifies Side A, B and C and offers shared or separate limits. Counterpart’s record describes management-claim protection and illustrative limits, but not the same detailed structure in the reviewed claims. Ask Counterpart to identify the limits and insured sides in its proposal, then compare wording with CNA’s schedule. [4](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") [7](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")

## What Should You Confirm in CNA and Counterpart D&O Insurance Quotes?

- Will your retail broker access Counterpart through an appointed wholesale broker, and which insurer issues the placement? [9](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")
- Does CNA’s Epack 3 eligibility extend to your nonprofit or other entity type? [4](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")

## CNA vs Counterpart D&O Insurance Compared

| Criteria | CNA Epack 3 Private Company D&O | Private Company and Nonprofit Directors & Officers Liability |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [5](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [9](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) |
| Who It’s For | CNA states this D&O product is designed for private companies, including small private companies. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [7](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [8](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) |
| Coverage Features | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [7](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [8](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) |
| Limits and Retentions | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Confirm in your quote. |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Confirm in your quote. |

## Related Pages for CNA vs Counterpart D&O Insurance

- [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CNA vs Counterpart Crime Insurance](https://spot.insure/compare/cna-vs-counterpart/crime)
- [CNA vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/employment-practices)
- [CNA vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/fiduciary)
- [CNA vs Counterpart General Liability Insurance](https://spot.insure/compare/cna-vs-counterpart/general-liability)
- [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice)
- [CNA vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-counterpart/professional-errors-omissions)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers)

## Sources for CNA vs Counterpart D&O Insurance

### Sources About CNA

1. [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.
2. [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.
3. [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.
4. [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.

### Sources About Counterpart

5. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
6. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
7. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
8. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
9. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources for the D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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. 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.

## 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).

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-counterpart/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)