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 Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 5,6,7,8,9
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 11,12,13,14,15
What Are the Key Differences Between CNA and Gallagher Crime Insurance?
Offering Structure and Distribution
Gallagher gives more specific event examples: employee fraud, funds-transfer fraud, computer fraud, credit-card forgery, theft and destruction of property. Its small-business page also routes buyers to an advisor form that requests company details, employee count and revenue. CNA’s reviewed crime record confirms a line listing and agent application channel but does not show equivalent coverage detail or a buyer-facing intake process. 4 10
Coverage Detail and Buyer Fit
Gallagher says its larger-account Executive and Financial Risk practice uses peer analysis and an exposure index when advising on crime limits. That is a placement service, not a published limit or a promise about the insurer’s offer. CNA’s reviewed record describes no comparable limit-setting method. Compare the proposal and declarations, not the broker’s guidance with policy limits. 4 7
What Should You Confirm in CNA and Gallagher Crime Insurance Quotes?
- Ask Gallagher which practice will handle your account and which carrier is proposed; ask CNA for the selected crime form and how limits are determined. 4 10 7
- Compare employee, computer and transfer fraud definitions and verify whether destruction of property is covered under the same insuring agreement. 4 10
CNA and Gallagher 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 reviewsGallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsCNA vs Gallagher Crime Insurance Compared
CNA vs Gallagher: Crime Insurance: documented features by provider
| Criteria | CNA Management Liability Crime Coverage | Gallagher Small Business Fidelity and Crime Insurance |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. 4Company-reported. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone. | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. 10,7Company-reported. Small-business crime product page and the group-level executive-risk practice page. |
| Issuing Insurer | Confirm in your quote. | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. 10,7Not publicly disclosed. Checked both pages on 2026-09-23. |
| Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. 4Company-reported. This is broad segment context, not a crime-specific acceptance rule. | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. 10Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting. |
| Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. 4Company-reported. The product page establishes a marketed option, not that all component lines must be purchased together. | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. 10Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. |
| Limits and Retentions | Confirm in your quote. | Neither page publishes specific crime coverage limits or premium ranges. 10,7Not publicly disclosed. Checked both pages on 2026-09-23. |
| Risk Services | Confirm in your quote. | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. 7Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product. |
| How to Apply | CNA directs agents seeking an application to its Agent Center. 4Company-reported. The page does not state that a business can apply directly or identify all documents required for crime coverage. | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. 10Company-reported. Product page inquiry form, inspected without submission. |
Related Pages for CNA vs Gallagher Crime Insurance
Crime Insurance Pages for CNA and Gallagher
Other Coverage Lines Compared for CNA vs Gallagher
Other Crime Insurance Provider Comparisons
Sources for CNA vs Gallagher Crime 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.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Crime. Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
