---
title: "CNA vs Gallagher: Fiduciary Liability Insurance"
description: "CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Gallagher describes fiduciary protection for corporate ERISA plan personnel and committees."
canonical: "https://spot.insure/compare/cna-vs-gallagher/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-gallagher"
provider-a: "cna"
provider-b: "gallagher"
coverage-line: "fiduciary"
---

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-gallagher/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of CNA and Gallagher for Fiduciary 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 Fiduciary Liability Insurance questions about CNA versus Gallagher. 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 Gallagher for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, CNA or Gallagher?
- What does CNA or Gallagher publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from CNA or Gallagher?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: CNA and Gallagher.
- 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 Gallagher](https://spot.insure/compare/cna-vs-gallagher) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [CNA vs Gallagher Business Owner’s Policy](https://spot.insure/compare/cna-vs-gallagher/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/cna-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cna-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Crime Insurance](https://spot.insure/compare/cna-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Cyber Insurance](https://spot.insure/compare/cna-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher D&O Insurance](https://spot.insure/compare/cna-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Fidelity Bonds](https://spot.insure/compare/cna-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher General Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Surety Bonds](https://spot.insure/compare/cna-vs-gallagher/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cna-vs-gallagher/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)

# CNA vs Gallagher: How Do They Compare for Fiduciary Liability Insurance?

CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Gallagher describes fiduciary protection for corporate ERISA plan personnel and committees.

## How to Use the CNA vs Gallagher Fiduciary Liability Insurance Comparison

Use this comparison to evaluate CNA and Gallagher for Fiduciary 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 Gallagher Fiduciary Liability Insurance Summary

CNA says its 2025 fiduciary offering is written for public, private and nonprofit organizations, subject to underwriting. Gallagher describes protection for corporate ERISA fiduciaries, committees and personnel who manage retirement plans. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk 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](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 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## What Are the Key Differences Between CNA and Gallagher 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](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")). 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")). 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")). CNA’s scope likewise identifies Epack 3 as a marketing summary, with issuing company varying by form and state ([4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")). Ask for the carrier, policy form, plan definitions, limit and retention before comparing the two placements.

## What Should You Confirm in CNA and Gallagher 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 vs Gallagher Fiduciary Liability Insurance Compared

| 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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..)<br><br>CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| Claims Support | CNA says fiduciary insureds have access to a claims team and expert guidance. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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

- [CNA vs Gallagher](https://spot.insure/compare/cna-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [CNA vs Gallagher Business Owner’s Policy](https://spot.insure/compare/cna-vs-gallagher/business-owners-policy)
- [CNA vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/cna-vs-gallagher/commercial-auto)
- [CNA vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cna-vs-gallagher/commercial-property)
- [CNA vs Gallagher Crime Insurance](https://spot.insure/compare/cna-vs-gallagher/crime)
- [CNA vs Gallagher Cyber Insurance](https://spot.insure/compare/cna-vs-gallagher/cyber)
- [CNA vs Gallagher D&O Insurance](https://spot.insure/compare/cna-vs-gallagher/directors-officers)
- [CNA vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/employment-practices)
- [CNA vs Gallagher Fidelity Bonds](https://spot.insure/compare/cna-vs-gallagher/fidelity-bonds)
- [CNA vs Gallagher General Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/general-liability)
- [CNA vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-gallagher/kidnap-ransom)
- [CNA vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-gallagher/professional-errors-omissions)
- [CNA vs Gallagher Surety Bonds](https://spot.insure/compare/cna-vs-gallagher/surety-bonds)
- [CNA vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cna-vs-gallagher/technology-errors-omissions)
- [CNA vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/umbrella-excess)
- [CNA vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-gallagher/workers-compensation)
- [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary)
- [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary)
- [Alliance Risk vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/fiduciary)
- [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary)
- [Aon vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/fiduciary)

## Sources for CNA vs Gallagher Fiduciary 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. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.

### Sources About Gallagher

5. [Technology Insurance](https://www.ajg.com/industries/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.
6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Fiduciary Liability (Pension and Welfare Liability) insurance section. Accessed 2026-09-23.
8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/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

10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
11. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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.
12. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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).

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

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