CNA vs 
Gallagher: How Do They Compare for Fiduciary Liability 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 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 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. 10,11,12
Key Differences in Fiduciary Liability Insurance
Organization types and plan audience
CNA’s 2025 Epack 3 sheet says its offering is written for public, private and nonprofit organizations, subject to underwriting ( 4). Gallagher describes fiduciary coverage for corporations sponsoring retirement or welfare plans and identifies ERISA fiduciaries, committees and personnel who design or implement 401(k) or pension plans ( 7). Check whether your entity and plan match each insurer’s actual underwriting and insured definitions.
Examples and policy terms
Gallagher’s page frames the line around corporate retirement and welfare benefit plans; its record describes this as a practice-level service description rather than one policy’s terms ( 7). CNA’s scope likewise identifies Epack 3 as a marketing summary, with issuing company varying by form and state ( 4). Ask for the carrier, policy form, plan definitions, limit and retention before comparing the two placements.
What to Confirm in Fiduciary Liability Insurance Quotes
- Which Gallagher policy would cover your committee and the people implementing the retirement or welfare plan?
- Which CNA issuing company and plan definitions apply to your organization and state?
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 Fiduciary Liability Insurance Compared
CNA vs Gallagher: Fiduciary Liability Insurance: documented features by provider
| Criteria | CNA Epack 3 Fiduciary Liability | Gallagher Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; it does not underwrite the policy. 7Company-reported. Group-level executive-and-financial-risk practice page. |
| Issuing Insurer | Confirm in your quote. | The executive-and-financial-risk page does not name the insurer that would issue a given client's fiduciary liability policy. 7Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Who It’s For | CNA states its fiduciary offering is written for public, private and nonprofit organizations. 4Company-reported. 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. | Gallagher targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. 7Company-reported. Group-level executive-and-financial-risk practice page. |
| Coverage Features | CNA states its Fiduciary Liability addresses exposure from administration and management of employee benefit and retirement plans. 4Company-reported. 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. 4Company-reported. 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. | Gallagher describes fiduciary liability as protecting a corporation's Employee Retirement Income Security Act (ERISA) fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans for employees and retirees. 7Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Limits and Retentions | Confirm in your quote. | The page does not publish specific fiduciary liability limits or premium ranges beyond describing its proprietary limit-selection models. 7Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | Confirm in your quote. | Gallagher says it has proprietary models to measure fiduciary risk and assist clients in selecting coverage limits. 7Company-reported. Group-level executive-and-financial-risk practice page. |
| Claims Support | CNA says fiduciary insureds have access to a claims team and expert guidance. 4Company-reported. 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 Gallagher Fiduciary Liability Insurance
Fiduciary Liability Insurance Pages for CNA and Gallagher
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Sources for CNA vs Gallagher Fiduciary 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.
- Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
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; Fiduciary Liability (Pension and Welfare Liability) 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.
Sources for the Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. 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.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
