---
title: "CNA vs Counterpart: Employment Practices Liability Insurance"
description: "CNA’s ©2022 brochure enumerates EPL allegations; Counterpart’s product page lists employment-related allegations as examples and labels its limits illustrative."
canonical: "https://spot.insure/compare/cna-vs-counterpart/employment-practices"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-counterpart"
provider-a: "cna"
provider-b: "counterpart"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of CNA and Counterpart for Employment Practices Liability 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 Employment Practices Liability 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 Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, CNA or Counterpart?
- What does CNA or Counterpart publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from CNA or Counterpart?

**Key facts:**
- Line: Employment Practices Liability 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — 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 D&O Insurance](https://spot.insure/compare/cna-vs-counterpart/directors-officers) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — 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 Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)

# CNA vs Counterpart: How Do They Compare for Employment Practices Liability Insurance?

CNA’s ©2022 brochure enumerates EPL allegations; Counterpart’s product page lists employment-related allegations as examples and labels its limits illustrative.

## How to Use the CNA vs Counterpart Employment Practices Liability Insurance Comparison

Use this comparison to evaluate CNA and Counterpart for Employment Practices Liability 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 Employment Practices Liability Insurance Summary

CNA’s ©2022 brochure names specific EPL allegations; Counterpart labels its published EPL limits and retentions as illustrative rather than quote terms. [4](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") [7](https://yourcounterpart.com/products/epli "Employment Practices Liability 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 Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## What Are the Key Differences Between CNA and Counterpart Employment Practices Liability Insurance?

### How specifically allegations are described

CNA’s ©2022 Epack 3 brochure names discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. Counterpart’s recorded EPL page describes employment-related allegations as examples, without the same itemized list in the retained source text. A buyer comparing a specific workplace event should ask Counterpart which allegations its form defines and check CNA’s current wording rather than reading greater detail as broader coverage. [4](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") [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

### Published figures are not quote terms

Counterpart explicitly labels its published limit and retention figures as illustrative examples. CNA’s cited 2022 brochure is a marketing summary, not an issued form, and its scope says underwriting, limits, exclusions and definitions are controlled by the policy. Request the proposed schedules and policy wording from each; the Counterpart page itself was retained in the offering record after a direct reopen timed out, so verify the illustration before relying on it. [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [4](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")

## What Should You Confirm in CNA and Counterpart Employment Practices Liability Insurance Quotes?

- Which Counterpart limit and retention replace the illustrative figures in the actual proposal? [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")
- Which CNA allegations, definitions, limits and exclusions appear in the current state-specific form? [4](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")

## CNA vs Counterpart Employment Practices Liability Insurance Compared

| Criteria | CNA Epack 3 Employment Practices Liability | Counterpart Employment Practices Liability |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. [5](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [8](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: This does not identify the carrier for an EPL placement..) |
| Who It’s For | CNA identifies private, nonprofit and public organizations among the potential EPL customer classes. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Eligibility remains subject to underwriting and policy state. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The source summary does not establish a size, industry, state or applicant acceptance rule..) |
| Coverage Features | CNA EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..)<br><br>CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The retained page description does not supply the policy’s complete covered-claim definition or exclusions..) |
| Limits and Retentions | Confirm in your quote. | Counterpart labels its published EPL limit and retention figures as illustrative examples. [7](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer..) |
| Risk Services | CNA advertises Beyond HR workplace training/resources and an employment-law helpline; it says the helpline does not provide legal advice on specific acts or claims. [4](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") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability services Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Services are not legal representation or a guarantee of coverage. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) | Confirm in your quote. |

## Related Pages for CNA vs Counterpart Employment Practices Liability

- [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [CNA vs Counterpart Crime Insurance](https://spot.insure/compare/cna-vs-counterpart/crime)
- [CNA vs Counterpart D&O Insurance](https://spot.insure/compare/cna-vs-counterpart/directors-officers)
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices)
- [Alliance Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/employment-practices)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices)
- [Amelia Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/employment-practices)
- [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices)

## Sources for CNA vs Counterpart

### 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. [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.

### 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. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28.
8. [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 Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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.

## 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/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [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)