CNA vs 
Gallagher: How Do They Compare for General Liability Insurance?
Gallagher Small Business arranges general liability with partner carriers rather than underwriting it. CNA identifies GL solutions by company size and describes industry-specific underwriting, risk control and claims professionals. A buyer can compare Gallagher’s partner-carrier placement with CNA’s underwriting and service model. 4,10
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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 11,12,13
Key Differences in General Liability Insurance
Eligibility and Buying Route
Gallagher Small Business arranges general liability with partner carriers rather than underwriting it. CNA identifies GL solutions by company size and describes industry-specific underwriting, risk control and claims professionals. 10 4 A buyer can compare Gallagher’s partner-carrier placement with CNA’s underwriting and service model. 4
Defense Costs and Claims
Gallagher lists investigation and defense costs, court costs, settlements or judgments, judgment interest, third-party medical expenses and bond premiums. CNA’s reviewed summary describes amounts owed for covered bodily injury or property damage but does not itemize those expenses. 10 4 Compare which costs are inside limits and how each insurer handles defense. 4
What to Confirm in General Liability Insurance Quotes
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 General Liability Insurance Compared
CNA vs Gallagher: General Liability Insurance: documented features by provider
| Criteria | CNA Commercial General Liability | Gallagher Small Business General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. 10Company-reported. Gallagher Small Business's direct-to-small-business general liability product page. |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name the insurer that would issue a given business's policy. 10Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. 10Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. 10Company-reported. Product page expense list; the issued policy and its exclusions control. |
| Limits and Retentions | Confirm in your quote. | The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 10Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. 10Company-reported. Product page "Get Covered Now" section. |
Related Pages for CNA vs Gallagher General Liability Insurance
General Liability Insurance Pages for CNA and Gallagher
Other Coverage Lines Compared for CNA vs Gallagher
Other General Liability Insurance Provider Comparisons
Sources for CNA vs Gallagher General 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.
- Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. 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; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- 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.
- General Liability. Gallagher Small Business; Coverage Overview; claim-cause examples (product-related injury, operations-related damage, libel/slander allegations); typical covered expenses list; Get Covered Now. Accessed 2026-09-23.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
