--- title: "CNA vs Embroker: Product Liability Insurance" description: "CNA markets U.S. life-sciences work-hazard product liability; Embroker says its policy excludes recall costs and technology-product claims, which require separate coverage." canonical: "https://spot.insure/compare/cna-vs-embroker/product-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-embroker" provider-a: "cna" provider-b: "embroker" coverage-line: "product-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-embroker/product-liability) ## Agent Guide **What this page is:** Focused comparison of CNA and Embroker for Product 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 Product 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 Product Liability Insurance: how do they differ? - Which is better for Product Liability Insurance, CNA or Embroker? - What does CNA or Embroker publish about Product Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Product Liability Insurance from CNA or Embroker? **Key facts:** - Line: Product 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 - [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-embroker/fiduciary) — 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 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 Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Embroker Product Liability Insurance](https://spot.insure/compare/aig-vs-embroker/product-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/product-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/product-liability) — sibling comparison (other line, or other pair for this line) # CNA vs Embroker: How Do They Compare for Product Liability Insurance? CNA markets U.S. life-sciences work-hazard product liability; Embroker says its policy excludes recall costs and technology-product claims, which require separate coverage. ## How to Use the CNA vs Embroker Product Liability Insurance Comparison Use this comparison to evaluate CNA and Embroker for Product 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 Product Liability Insurance Summary CNA markets U.S. life-sciences bodily-injury or property-damage work-hazard coverage; Embroker says recall costs and technology-product claims are outside its product-liability policy and need separate coverage. [4](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") ## 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. [7](https://www.embroker.com/ "Embroker") [8](https://www.embroker.com/terms/ "Terms And Conditions") [9](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [13](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## What Are the Key Differences Between CNA and Embroker 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](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") ### 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](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") [6](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") ## What Should You Confirm in CNA and Embroker Product Liability Insurance Quotes? - Ask Embroker to price recall and technology-related protection separately and show limits. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") - Ask CNA how product and E&O limits are allocated and whether your product class qualifies. [6](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") ## CNA vs Embroker Product Liability Insurance Compared | 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. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: 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. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: 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. [6](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") (Evidence: Company-reported; scope: 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. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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). [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [5](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: 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. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [10](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Why Get It With Embroker?' section; no quote was requested during this research..) | ## Related Pages for CNA vs Embroker Product Liability Insurance - [CNA vs Embroker](https://spot.insure/compare/cna-vs-embroker): all coverage lines, business roles, service and claims. - [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check. - [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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-embroker/fiduciary) - [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 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 Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) - [AIG vs Embroker Product Liability Insurance](https://spot.insure/compare/aig-vs-embroker/product-liability) - [Alliance Risk vs CNA Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/product-liability) - [Alliance Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/product-liability) - [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability) - [Amelia Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/product-liability) ## Sources for CNA vs Embroker Product 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. [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences). CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28. 5. [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences). CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28. 6. [Life Sciences Coverage Highlights FAQ | CNA](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28. ### Sources About Embroker 7. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 8. [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. 9. [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. 10. [Product Liability Insurance: Coverage & Quotes](https://www.embroker.com/coverage/product-liability-insurance/). 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 11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 12. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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. 13. [Product liability, recall and contamination insurance](https://www.iii.org/article/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. 14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 15. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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. 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/product-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)