--- title: "CNA vs Cowbell: Management Liability Insurance" description: "CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy." canonical: "https://spot.insure/compare/cna-vs-cowbell/management-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-cowbell" provider-a: "cna" provider-b: "cowbell" coverage-line: "management-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-cowbell/management-liability) ## Agent Guide **What this page is:** Focused comparison of CNA and Cowbell for Management 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 Management Liability Insurance questions about CNA versus Cowbell. 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 Cowbell for Management Liability Insurance: how do they differ? - Which is better for Management Liability Insurance, CNA or Cowbell? - What does CNA or Cowbell publish about Management Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Management Liability Insurance from CNA or Cowbell? **Key facts:** - Line: Management Liability Insurance. Providers: CNA and Cowbell. - 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 Cowbell](https://spot.insure/compare/cna-vs-cowbell) — parent: all coverage lines for this pair - [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence) - [CNA vs Cowbell Crime Insurance](https://spot.insure/compare/cna-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Cyber Insurance](https://spot.insure/compare/cna-vs-cowbell/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell D&O Insurance](https://spot.insure/compare/cna-vs-cowbell/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Tech E&O Insurance](https://spot.insure/compare/cna-vs-cowbell/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Cowbell Management Liability Insurance](https://spot.insure/compare/aig-vs-cowbell/management-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Cowbell Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Management Liability Insurance](https://spot.insure/compare/aon-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs Cowbell Management Liability Insurance](https://spot.insure/compare/aon-vs-cowbell/management-liability) — sibling comparison (other line, or other pair for this line) # CNA vs Cowbell: How Do They Compare for Management Liability Insurance? CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. ## How to Use the CNA vs Cowbell Management Liability Insurance Comparison Use this comparison to evaluate CNA and Cowbell for Management 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 Cowbell Management Liability Insurance Summary CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. Scope: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") ## 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 Cowbell Insurance? Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. [5](https://cowbell.insure/ "Cowbell") [6](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [Cowbell profile](https://spot.insure/insurance-providers/cowbell) ## What Is Management Liability Insurance? Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") [13](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") [14](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0 "Private Company Directors and Officers Liability Coverage Application") ## What Are the Key Differences Between CNA and Cowbell Management Liability Insurance? ### Coverage and package structure CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. Scope: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section.. This is a pair-specific comparison of coverage claims; check both details against the proposed terms. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") ### Application and placement: second documented difference CNA: CNA directs agents to Agent Center for applications. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Cowbell: Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. Scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.. This is a pair-specific comparison of application claims; check both details against the proposed terms. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ## What Should You Confirm in CNA and Cowbell Management Liability Insurance Quotes? - Ask CNA how the quoted policy applies the documented coverage detail to your business. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") - Ask Cowbell how the quoted policy applies the documented coverage detail to your business. [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") ## CNA vs Cowbell Management Liability Insurance Compared | Criteria | CNA Management Liability / Epack 3 | Cowbell / Zurich Select Plus Management Liability | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Cowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section..) | | Issuing Insurer | Confirm in your quote. | Both Cowbell and Zurich say the product is offered on Zurich admitted paper and backed by 'the reputable Zurich Claims service.' Neither page names the specific underwriting Zurich subsidiary or policy-issuing entity; Zurich's site footer copyright reads 'Zurich American Insurance Company,' but that is a general site-wide notice, not a stated policy-issuer confirmation for Select Plus specifically. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro; Zurich page intro and footer..) | | Who It’s For | CNA discusses exposures for public/private companies, nonprofits and smaller businesses. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | 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 management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What size accounts are targeted?' and 'Target industries' list..) | | Coverage Features | CNA’s portfolio combines D&O, EPL, fiduciary, fidelity/crime and kidnap/ransom/extortion coverages. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | 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 management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)

CNA says Epack 3 lets agents design a modular mix for management-liability exposures. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | 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 management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section..)

Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..) | | Limits and Retentions | Confirm in your quote. | Neither the Cowbell page nor Zurich's own Select Plus page publishes limit or retention amounts for the modules; both were read in full and neither discloses a figure. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Cowbell page and Zurich page, both read on 2026-09-23..) | | Risk Services | Confirm in your quote. | Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: Page intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'..) | | How to Apply | CNA directs agents to Agent Center for applications. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | 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 management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'..) | | Claims Support | Confirm in your quote. | Cowbell says the most common management liability claims fall under employment practices liability, citing discrimination, wrongful termination, harassment, and retaliation as the most frequent claim types. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the most common management liability claim?'; describes claim frequency, not Cowbell's own claims-handling process..) | ## Related Pages for CNA vs Cowbell Management Liability Insurance - [CNA vs Cowbell](https://spot.insure/compare/cna-vs-cowbell): all coverage lines, business roles, service and claims. - [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment-practices and fiduciary coverage, but each part can insure different people, claims and limits. - [CNA vs Cowbell Crime Insurance](https://spot.insure/compare/cna-vs-cowbell/crime) - [CNA vs Cowbell Cyber Insurance](https://spot.insure/compare/cna-vs-cowbell/cyber) - [CNA vs Cowbell D&O Insurance](https://spot.insure/compare/cna-vs-cowbell/directors-officers) - [CNA vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/employment-practices) - [CNA vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/fiduciary) - [CNA vs Cowbell Tech E&O Insurance](https://spot.insure/compare/cna-vs-cowbell/technology-errors-omissions) - [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability) - [AIG vs Cowbell Management Liability Insurance](https://spot.insure/compare/aig-vs-cowbell/management-liability) - [Alliance Risk vs CNA Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/management-liability) - [Alliance Risk vs Cowbell Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/management-liability) - [Aon vs CNA Management Liability Insurance](https://spot.insure/compare/aon-vs-cna/management-liability) - [Aon vs Cowbell Management Liability Insurance](https://spot.insure/compare/aon-vs-cowbell/management-liability) ## Sources for CNA vs Cowbell Management 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. [Management Liability Insurance and Professional Liability | CNA Insurance](https://www.cna.com/products/management-liability). CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28. ### Sources About Cowbell 5. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15. 6. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16. 7. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro: 'Zurich Insurance, in collaboration with Cowbell, offers the "Zurich Select Plus" proprietary form'; 'Delivering speed from quoting to policy issuance' section; module names (Private Management and Company Liability, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability, Crime Insurance); Targeted industries list; FAQ (identical to the Cowbell page's FAQ); footer copyright. Accessed 2026-09-23. 8. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; Intro paragraph on the Zurich collaboration; FAQ: access, account size, what makes the offering unique, difference between management liability and D&O, why a company needs it, most common claim type; Target industries list. Accessed 2026-09-23. ### Sources for the Management Liability Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16. 10. [Management Liability Insurance](https://www.thehartford.com/management-liability-insurance). The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16. 11. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. 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 p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16. 13. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16. 14. [Private Company Directors and Officers Liability Coverage Application](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0). Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. 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). ## Cowbell Review Scores for 2026 Review Score: 2.0 / 10 from 1 rated source, equally weighted. Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much. - SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-cowbell/management-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)