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 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. 7,8,9
What Is Product Liability Insurance?
Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. 11,12,13,14,15
Key Differences in Product Liability Insurance
Covered Claims and Related Exposures
CNA markets life-sciences work-hazard protection for bodily-injury or property-damage claims. Embroker describes defect-related illness, injury, property damage, and wrongful-death claims, while its page identifies recall costs and technology-product claims as outside this policy. For software-enabled devices, compare the product-liability form with separate recall and technology coverage. A manufacturer with software-enabled devices should ask how each policy separates product injury from technology and recall costs. 4 10
Limits and Application
CNA’s U.S. small-business page says qualified life-sciences applicants may obtain product liability with E&O limits up to $10 million. Ask Embroker to identify its quote’s insurer, limit, deductible, and any separate recall or technology terms; ask CNA which issuing company and product form apply to your risk. 5 6 10
What to Confirm in Product Liability Insurance Quotes
CNA and Embroker 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 reviewsEmbroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsCNA vs Embroker Product Liability Insurance Compared
CNA vs Embroker: Product Liability Insurance: documented features by provider
| Criteria | CNA Life Sciences Product Liability | Embroker Product Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 10Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. |
| Who It’s For | CNA targets life-sciences manufacturers, distributors and wholesalers, including pharmaceutical, nutraceutical, biotechnology and medical-device organizations, as well as R&D/clinical-trial organizations. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Life-sciences product and professional liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 10Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. |
| Coverage Features | CNA markets a Life Sciences Work-Hazard Product Liability policy for bodily injury or property damage arising from product work-hazard claims. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Life-sciences Work-Hazard Product Liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. CNA says Products–Work Hazard Liability and Professional Liability may be issued separately or combined with one aggregate; monoline options are available. 6Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences products and professional liability Jurisdiction: United States Research source scope: U.S. small-business life-sciences products liability; summary is not policy form Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source FAQ is dated 2023 and is an informational summary, not the issued policy form. Historical FAQ summary ©2023; not the issued form. Source/date qualification: Copyright ©2023; FAQ details are historical summary, not issued policy terms. | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 10Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 10Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. |
| Limits and Retentions | CNA’s small-business life-sciences page states that qualified applicants may obtain product liability with E&O limits up to $10 million. 5Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences Products Liability with E&O Jurisdiction: United States Research source scope: U.S. small-business life-sciences professional and products liability Claim limitation: Up to $10 million for qualified risks; not guaranteed offered limit or universal availability. | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 10Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. |
| How to Apply | Confirm in your quote. | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 10Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. |
Related Pages for CNA vs Embroker Product Liability Insurance
Product Liability Insurance Pages for CNA and Embroker
Other Coverage Lines Compared for CNA vs Embroker
Other Product Liability Insurance Provider Comparisons
Sources for CNA vs Embroker Product 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.
- Life Sciences Insurance | CNA. CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
- Small Business Life Sciences Insurance | CNA. CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
- Life Sciences Coverage Highlights FAQ | CNA. CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
Sources About Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Product Liability Insurance: Coverage & Quotes. Embroker; What Is Product Liability Insurance?; Who Is It For?; Product Liability vs. General Liability; What Does Product Liability Insurance Cover?; What's Not Covered?; How Much Does Product Liability Insurance Cost? Accessed 2026-09-23.
Sources for the Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
