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
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 9,10,11
Key Differences in Fidelity Bonds
Choice of bond form
CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust ERISA bonds. Coverdash’s surety page describes fidelity as protection against employee dishonesty and includes it among four bond types, but its reviewed record notes there is no dedicated fidelity product page. If a contract specifies a form or covered position, ask Coverdash to identify the bond and obligee terms before treating the short description as equivalent. 4 8
Buying process and line detail
Coverdash describes a digital quote-to-purchase process for the fidelity option. CNA says experienced claims specialists help resolve surety and fidelity claims. The records describe different parts of the buyer journey: purchase access and post-loss support. Ask Coverdash how to report a loss and who issues the bond; ask CNA how claims are assigned and what documents the surety requires. 8 4
What to Confirm in Fidelity Bonds 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 Fidelity Bonds Compared
CNA vs Coverdash: Fidelity Bonds: documented features by provider
| Criteria | CNA Fidelity Bonds | Coverdash Fidelity Bonds |
|---|---|---|
| Role in This Line | Confirm in your quote. | Coverdash arranges fidelity bonds as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 7,8Company-reported. General brokerage terms applied to the fidelity-bonds card on the surety-bond page; not specific to any one carrier or state. |
| Issuing Insurer | Confirm in your quote. | The surety-bond page does not name the insurer that issues fidelity bonds. 8Not publicly disclosed. Reviewed surety-bond page as of 2026-09-23; the page describes coverage without naming a specific carrier. |
| Who It’s For | Confirm in your quote. | The surety-bond page's eligibility description (contractors, licensed trades and businesses bidding on contracts) is written for surety bonds generally and does not separately describe who needs a fidelity bond specifically. 8Not found in reviewed sources. Page-level eligibility text is shared across all four bond types on the page; it was not written specifically for employee-dishonesty coverage. |
| Coverage Features | CNA describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. 4Company-reported. Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern. CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. 4Company-reported. Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility. | Coverdash's surety-bond page describes fidelity bonds in a single line as protecting clients against loss from employee dishonesty; it does not have a dedicated fidelity-bond product page. 8Company-reported. One catalog card on the surety-bond page, not a full product description. Fidelity bonds are a distinct crime-type coverage rather than a three-party surety guarantee, even though Coverdash lists them on the same page as its surety bonds. |
| Limits and Retentions | Confirm in your quote. | The surety-bond page does not publish specific limit or bond-amount figures for fidelity bonds. 8Not publicly disclosed. Reviewed surety-bond page as of 2026-09-23; figures are quote-specific and not shown on the public page. |
| Risk Services | CNA says experienced claims specialists help resolve surety and fidelity claims. 4Company-reported. Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Coverdash describes a fully digital quote-to-purchase process on its surety-bond page, which includes the fidelity-bond option among its four bond types. 8Company-reported. Product-page company information and cross-sell section. |
Related Pages for CNA vs Coverdash Fidelity Bonds
Fidelity Bonds Pages for CNA and Coverdash
Other Coverage Lines Compared for CNA vs Coverdash
Other Fidelity Bonds Provider Comparisons
Sources for CNA vs Coverdash Fidelity Bonds
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.
- CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. 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; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
- Surety Bonds. Coverdash; Types of Coverage card 04, Fidelity bonds: "Protect clients against loss from employee dishonesty". Accessed 2026-09-23.
Sources for the Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
