--- title: "CNA vs Counterpart: General Liability Insurance" description: "Counterpart pairs GL with professional liability and offers separate limits, while CNA describes broader GL placement." canonical: "https://spot.insure/compare/cna-vs-counterpart/general-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-counterpart" provider-a: "cna" provider-b: "counterpart" coverage-line: "general-liability" --- 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-counterpart/general-liability) ## Agent Guide **What this page is:** Focused comparison of CNA and Counterpart for General 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 General 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 General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, CNA or Counterpart? - What does CNA or Counterpart publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from CNA or Counterpart? **Key facts:** - Line: General 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 - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 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 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 General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) # CNA vs Counterpart: How Do They Compare for General Liability Insurance? Counterpart pairs GL with professional liability and offers separate limits, while CNA describes broader GL placement. ## How to Use the CNA vs Counterpart General Liability Insurance Comparison Use this comparison to evaluate CNA and Counterpart for General 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 General Liability Insurance Summary Counterpart describes General Liability as companion coverage packaged with Miscellaneous Professional Liability or law-firm professional coverage, distributed through producers and wholesale brokers. CNA describes commercial GL solutions across company sizes with its own underwriting and risk-control support. Professional firms can compare Counterpart’s documented pairing against CNA’s broader GL placement. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [8](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional 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 General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## What Are the Key Differences Between CNA and Counterpart General Liability Insurance? ### Eligibility and Buying Route Counterpart describes General Liability as companion coverage packaged with Miscellaneous Professional Liability or law-firm professional coverage, distributed through producers and wholesale brokers. CNA describes commercial GL solutions across company sizes with its own underwriting and risk-control support. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [5](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") Professional firms can compare Counterpart’s documented pairing against CNA’s broader GL placement. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") ### Companion Structure and Separate Limits Counterpart says coverage types have separate limits and brokers can quote multiple limit and retention options. CNA describes coverage for amounts owed after covered third-party bodily injury or property damage, without publishing a comparable limit in the reviewed claim. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") Confirm whether the GL limit is distinct from professional liability and compare the final declarations. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") ## What Should You Confirm in CNA and Counterpart General Liability Insurance Quotes? - Ask Counterpart which wholesale broker and insurer would handle the paired GL placement. [5](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") - Ask CNA for available limits and whether it can coordinate with professional coverage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") - Ask Counterpart to show the GL and professional-liability limits separately, including their retentions. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") ## CNA vs Counterpart General Liability Insurance Compared | Criteria | CNA Commercial General Liability | General Liability accompanying Professional Liability | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. [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: This is the program channel, not evidence Counterpart itself bears insured liability..) | | Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [8](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The class scope on these product pages does not establish availability to other businesses or in every state..) | | Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [8](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses..) | | Limits and Retentions | Confirm in your quote. | Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. [7](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy..) | | Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Confirm in your quote. | ## Related Pages for CNA vs Counterpart General Liability Insurance - [CNA vs Counterpart](https://spot.insure/compare/cna-vs-counterpart): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [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 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 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 General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) ## Sources for CNA vs Counterpart General Liability 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. [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. ### 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. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30. 8. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30. 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 General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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/general-liability.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)