CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Coverdash Insurance?
Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. 5,6,7
Read the Coverdash Employment Practices Liability Insurance page
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. 9,10,11
Key Differences in Employment Practices Liability Insurance
Allegation examples and defense costs
CNA’s ©2022 Epack 3 brochure lists discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. Coverdash describes its arranged EPLI as covering wrongful-termination, discrimination, harassment, retaliation and failure-to-promote claims, including legal defense costs. Compare the claim definitions and defense-cost treatment in the current quote documents; the CNA brochure is dated and both descriptions are company marketing, not issued policy terms. 4 8
Who arranges the policy
Coverdash says it arranges quotes from an insurer panel rather than underwriting EPLI itself, and its page offers standalone or management-liability bundle options. CNA’s ©2022 source describes Epack 3 EPL under the CNA brand, while its claim scope says the issuing company varies by form and state. Ask Coverdash to identify the proposed carrier and ask CNA which entity and package structure appear on its current quote. 8 4
What to Confirm in Employment Practices Liability Insurance Quotes
CNA and Coverdash Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsCoverdash Review Score
Review Score
2 rated sources
Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.[1][4][6]
Read Coverdash reviewsCNA vs Coverdash Employment Practices Liability Insurance Compared
CNA vs Coverdash: Employment Practices Liability Insurance: documented features by provider
| Criteria | CNA Epack 3 Employment Practices Liability | Coverdash Employment Practices Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. 8Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote. |
| Issuing Insurer | Confirm in your quote. | The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. 8Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there. |
| Who It’s For | CNA identifies private, nonprofit and public organizations among the potential EPL customer classes. 4Company-reported. 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. | Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. 8Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule. |
| Coverage Features | CNA EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. 4Company-reported. 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. CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. 4Company-reported. 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. | Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. 8Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy. Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. 8Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'. |
| Limits and Retentions | Confirm in your quote. | The EPLI page does not publish limit, retention or deductible amounts for the policy. 8Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote. |
| 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. 4Company-reported. 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. |
| How to Apply | Confirm in your quote. | You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. 8Company-reported. EPLI product page calls to action, read together with the provider record's general application facts. |
Related Pages for CNA vs Coverdash Employment Practices Liability
Employment Practices Liability Insurance Pages for CNA and Coverdash
Other Coverage Lines Compared for CNA vs Coverdash
Other Employment Practices Liability Insurance Provider Comparisons
Sources for CNA vs Coverdash Employment Practices Liability Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
Sources About Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Employment Practices Liability Insurance. Coverdash; Hero description; Types of Coverage: Wrongful termination, Discrimination, Harassment, Retaliation and more; Who it's for; FAQ: What does EPLI cover?, Do small businesses need EPLI?, Is EPLI part of management liability? Accessed 2026-09-23.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. 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.
- Liability Coverage Terms and Conditions. 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.
