--- title: "CNA vs Embroker: Fiduciary Liability Insurance" description: "CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Embroker targets companies that provide benefits or retirement plans." canonical: "https://spot.insure/compare/cna-vs-embroker/fiduciary" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-embroker" provider-a: "cna" provider-b: "embroker" coverage-line: "fiduciary" --- 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-embroker/fiduciary) ## Agent Guide **What this page is:** Focused comparison of CNA and Embroker for Fiduciary 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 Fiduciary Liability Insurance questions about CNA versus Embroker. 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 Embroker for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, CNA or Embroker? - What does CNA or Embroker publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from CNA or Embroker? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: CNA and Embroker. - 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 Embroker](https://spot.insure/compare/cna-vs-embroker) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence) - [CNA vs Embroker Business Owner’s Policy](https://spot.insure/compare/cna-vs-embroker/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Commercial Auto Insurance](https://spot.insure/compare/cna-vs-embroker/commercial-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Commercial Property Insurance](https://spot.insure/compare/cna-vs-embroker/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Crime Insurance](https://spot.insure/compare/cna-vs-embroker/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Cyber Insurance](https://spot.insure/compare/cna-vs-embroker/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker D&O Insurance](https://spot.insure/compare/cna-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-embroker/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker General Liability Insurance](https://spot.insure/compare/cna-vs-embroker/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Management Liability Insurance](https://spot.insure/compare/cna-vs-embroker/management-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Product Liability Insurance](https://spot.insure/compare/cna-vs-embroker/product-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Surety Bonds](https://spot.insure/compare/cna-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Tech E&O Insurance](https://spot.insure/compare/cna-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-embroker/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line) # CNA vs Embroker: How Do They Compare for Fiduciary Liability Insurance? CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Embroker targets companies that provide benefits or retirement plans. ## How to Use the CNA vs Embroker Fiduciary Liability Insurance Comparison Use this comparison to evaluate CNA and Embroker for Fiduciary 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 Embroker Fiduciary Liability Insurance Summary CNA says its 2025 fiduciary offering is written for public, private and nonprofit organizations, subject to underwriting. Embroker targets companies that provide employee benefits, retirement plans or stock options. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") ## 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 Embroker? Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [5](https://www.embroker.com/ "Embroker") [6](https://www.embroker.com/terms/ "Terms And Conditions") [7](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## What Is Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## What Are the Key Differences Between CNA and Embroker Fiduciary Liability Insurance? ### Plan duties and automatic treatment of new plans Embroker lists errors in benefit-plan administration and imprudent selection of investments or third-party service providers as covered examples; it says most newly created or acquired plans get automatic coverage. CNA’s 2025 Epack 3 sheet describes fiduciary exposure from administration and management of employee-benefit and retirement plans ([8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")[4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")). Embroker adds examples and a new-plan feature to its description, while CNA states the broader plan-administration exposure. Ask when any automatic treatment attaches and how each form defines covered plan duties. ### Intended applicant types CNA’s 2025 sheet says its fiduciary offering is written for public, private and nonprofit organizations, subject to underwriting. Embroker targets companies that provide medical, dental, vision or other benefits, retirement plans, or stock options ([4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")[8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")). These descriptions screen for different applicant characteristics: organization type in CNA’s statement and the benefits or plan offered in Embroker’s. Confirm that both the sponsor and plan fit the proposed policy. ## What Should You Confirm in CNA and Embroker Fiduciary Liability Insurance Quotes? - Does Embroker’s automatic treatment apply to your newly created or acquired plan, and what notice is required? - Will CNA underwrite your organization and plan, and which insurer and terms appear in the quote? ## CNA vs Embroker Fiduciary Liability Insurance Compared | Criteria | CNA Epack 3 Fiduciary Liability | Embroker Fiduciary Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | | Who It’s For | CNA states its fiduciary offering is written for public, private and nonprofit organizations. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Subject to underwriting and policy terms. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) | Embroker targets companies that provide medical, dental, vision or other benefits, or that offer retirement plans or stock options, and says very small businesses without benefit plans generally don't need the coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page eligibility description; not a guarantee of coverage for a particular business..) | | Coverage Features | CNA states its Fiduciary Liability addresses exposure from administration and management of employee benefit and retirement plans. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: This is fiduciary liability, not an ERISA fidelity bond or employee-benefits liability. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..)

CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) | Embroker lists coverage for errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)

Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's not included section..) | | Limits and Retentions | Confirm in your quote. | Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting..) | | Risk Services | Confirm in your quote. | The reviewed fiduciary liability page does not describe dedicated risk-control or plan-administration review services beyond general references to the Embroker Resource Hub and chat support. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | Embroker offers an online quote for fiduciary liability through its digital platform. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) | | Claims Support | CNA says fiduciary insureds have access to a claims team and expert guidance. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) | Confirm in your quote. | ## Related Pages for CNA vs Embroker Fiduciary Liability Insurance - [CNA vs Embroker](https://spot.insure/compare/cna-vs-embroker): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [CNA vs Embroker Business Owner’s Policy](https://spot.insure/compare/cna-vs-embroker/business-owners-policy) - [CNA vs Embroker Commercial Auto Insurance](https://spot.insure/compare/cna-vs-embroker/commercial-auto) - [CNA vs Embroker Commercial Property Insurance](https://spot.insure/compare/cna-vs-embroker/commercial-property) - [CNA vs Embroker Crime Insurance](https://spot.insure/compare/cna-vs-embroker/crime) - [CNA vs Embroker Cyber Insurance](https://spot.insure/compare/cna-vs-embroker/cyber) - [CNA vs Embroker D&O Insurance](https://spot.insure/compare/cna-vs-embroker/directors-officers) - [CNA vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-embroker/employment-practices) - [CNA vs Embroker General Liability Insurance](https://spot.insure/compare/cna-vs-embroker/general-liability) - [CNA vs Embroker Management Liability Insurance](https://spot.insure/compare/cna-vs-embroker/management-liability) - [CNA vs Embroker Product Liability Insurance](https://spot.insure/compare/cna-vs-embroker/product-liability) - [CNA vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-embroker/professional-errors-omissions) - [CNA vs Embroker Surety Bonds](https://spot.insure/compare/cna-vs-embroker/surety-bonds) - [CNA vs Embroker Tech E&O Insurance](https://spot.insure/compare/cna-vs-embroker/technology-errors-omissions) - [CNA vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-embroker/workers-compensation) - [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary) - [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary) - [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary) - [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary) - [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary) - [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary) ## Sources for CNA vs Embroker Fiduciary 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. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28. ### Sources About Embroker 5. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 6. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 7. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 8. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23. ### Sources for the Fiduciary Liability Insurance Guide 9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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). ## Embroker Review Scores for 2026 Review Score: 5.6 / 10 from 3 rated sources, equally weighted. Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality. - Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com) - BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895) - Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-embroker/fiduciary.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)