CNA vs 
Embroker: How Do They Compare for Professional Liability (E&O) Insurance?
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. 6,7,8
Read the Embroker Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
Standalone E&O and Technology Coverage
Embroker sells professional liability as a standalone product, separate from its lawyers policy and bundled technology E&O/cyber offer. CNA describes Epack 3 and EPS Plus combinations and separately markets Technology E&O to technology businesses. For a software consultant, the question is whether the proposed E&O covers professional advice, technology errors, or both; compare the chosen policy documents rather than treating “tech” and general E&O as synonyms. 9 5 4
Claim Scope and Exclusions
Embroker’s professional-liability page lists service negligence, missed deadlines, misleading statements, and contract breach as claim examples; it identifies cyber incidents and bodily injury or property damage as exclusions from that product description. CNA describes Epack 3 as combining professional and technology liability with cyber and media. Ask how the quoted forms allocate a data incident or physical injury allegation, rather than assuming the package names settle that question. 9 4
What to Confirm in Professional Liability (E&O) 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 Professional Liability (E&O) Insurance Compared
CNA vs Embroker: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CNA Professional and Technology Liability | Embroker Professional Liability Insurance |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. 4,5Company-reported. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording. | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 9Company-reported. Product-page description; not a statement about the issuing insurer. |
| Who It’s For | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. 4Company-reported. The listed classes are a target list, not a complete or guaranteed eligibility rule. | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. 9Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business. |
| Coverage Features | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. 4Company-reported. The page is a summary and does not define covered services, contract exceptions or policy triggers. | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 9Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 9Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. |
| Limits and Retentions | Confirm in your quote. | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 9Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting. |
| Risk Services | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. 4Company-reported. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 9Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. |
Related Pages for CNA vs Embroker Professional Liability (E&O)
Professional Liability (E&O) Insurance Pages for CNA and Embroker
Other Coverage Lines Compared for CNA vs Embroker
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for CNA vs Embroker Professional Liability (E&O) 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.
- Cyber Insurance - Cyber Risk Solutions. CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. Accessed 2026-09-30.
- Epack 3 – Cyber, Media, Technology & Professional Liability. CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. Accessed 2026-09-30.
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.
- Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
