---
title: "CNA vs Gallagher: Kidnap and Ransom Insurance"
description: "CNA describes K&R as a listed coverage with red24 response support; Gallagher says it places coverage with outside carriers and evaluates both policy terms and response-team capability."
canonical: "https://spot.insure/compare/cna-vs-gallagher/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-gallagher"
provider-a: "cna"
provider-b: "gallagher"
coverage-line: "kidnap-ransom"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-gallagher/kidnap-ransom)

## Agent Guide

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

**Key facts:**
- Line: Kidnap and Ransom 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Gallagher](https://spot.insure/compare/cna-vs-gallagher) — parent: all coverage lines for this pair
- [Kidnap and Ransom Insurance guide](https://spot.insure/coverage/kidnap-ransom) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/fiduciary) — 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 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 Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)

# CNA vs Gallagher: How Do They Compare for Kidnap and Ransom Insurance?

CNA describes K&R as a listed coverage with red24 response support; Gallagher says it places coverage with outside carriers and evaluates both policy terms and response-team capability.

## How to Use the CNA vs Gallagher Kidnap and Ransom Insurance Comparison

Use this comparison to evaluate CNA and Gallagher for Kidnap and Ransom 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 Kidnap and Ransom Insurance Summary

Gallagher describes an advisor-led placement that assesses carrier response teams alongside policy wording. CNA lists K&R through Management Liability and cites red24 support in its older brochure. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") [8](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. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](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 Kidnap and Ransom Insurance?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [12](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [13](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage")

## What Are the Key Differences Between CNA and Gallagher Kidnap and Ransom Insurance?

### Carrier placement and crisis-team review

Gallagher says its Executive and Financial Risk practice places K&R with outside carriers and considers both policy terms and the carrier’s response-team capability. CNA’s current Management Liability page lists K&R, and an older brochure describes red24 security advice and response support. The distinction for a buyer is what the placement conversation evaluates: Gallagher explicitly says response capability is part of its carrier assessment, while CNA’s cited claim identifies a service resource. Confirm who responds and how access is guaranteed. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA")

### Coverage context and limits

Gallagher describes coverage for executives, employees and families whose work or travel creates exposure and says ransomware coverage may also be secured. CNA’s brochure identifies organizations with overseas travelers or operations, including manufacturers, professional services, hospitals, financial institutions, technology and construction. Neither public record supplies limits; Gallagher also does not name the insurer for a specific placement. Ask for the carrier, ransomware wording and full limit schedule. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA")

## What Should You Confirm in CNA and Gallagher Kidnap and Ransom Insurance Quotes?

- Ask Gallagher which carrier and response team are proposed and whether ransomware is included in the same limit. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask CNA for current limits and written details of red24 access and covered traveler groups. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability")

## CNA vs Gallagher Kidnap and Ransom Insurance Compared

| Criteria | Kidnap, Ransom and Extortion | Gallagher Kidnap, Ransom and Extortion Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Gallagher's Executive and Financial Risk practice places kidnap, ransom and extortion coverage with outside carriers; it does not underwrite the policy. [8](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 kidnap and ransom policy. [8](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’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: Historical target examples are not current underwriting rules or eligibility guarantees..) | Gallagher describes kidnap, ransom and extortion coverage as relevant to companies whose executives, employees or families travel or work in higher-risk settings, and separately says it is "a must for all companies," without naming a specific industry or size limit. [8](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’s current Management Liability page lists Kidnap, Ransom and Extortion; the older CNA brochure describes insured events including kidnapping, extortion, hijack and detention. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: The current page confirms catalogue membership; 2012 brochure details are historical marketing and may not match current forms..) | Gallagher describes this coverage as protecting executives, employees and their families whose work and travel expose them to kidnapping and extortion risk, and says it can also secure ransomware coverage. [8](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 kidnap and ransom limits or premium ranges. [8](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 | The brochure describes access to crisis-response services from red24, including security advice and response support. [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: The 2012 source does not establish the current vendor arrangement or services attached to a present-day quote..) | Gallagher says the coverage it arranges includes access to highly trained rescue and security personnel, and that it analyzes both the policy terms and a carrier's response-team capability when placing this line. [8](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..) |
| How to Apply | CNA’s current Management Liability page tells agents to request applications through the Agent Center. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: This is a general management-liability submission direction; the page does not describe a buyer-direct K&R flow..) | Confirm in your quote. |

## Related Pages for CNA vs Gallagher Kidnap and Ransom Insurance

- [CNA vs Gallagher](https://spot.insure/compare/cna-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and access to crisis-response experts; check fit with your travel destinations.
- [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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/fiduciary)
- [CNA vs Gallagher General Liability Insurance](https://spot.insure/compare/cna-vs-gallagher/general-liability)
- [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 Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom)
- [Aon vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-cna/kidnap-ransom)
- [Aon vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-gallagher/kidnap-ransom)
- [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom)
- [The Baldwin Group vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-gallagher/kidnap-ransom)

## Sources for CNA vs Gallagher Kidnap and Ransom 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. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-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.
5. [Kidnap, Ransom and Extortion Coverage From CNA](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid=). CNA; Official brochure: named insured persons, event categories, crisis response services, target buyers and worldwide wording; dated KRESS FL 040412 (2012), historical product summary, not evidence all provisions remain current. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Sources About Gallagher

6. [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.
7. [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.
8. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Kidnap, Ransom and Extortion Liability insurance section. Accessed 2026-09-23.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [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 Kidnap and Ransom Insurance Guide

11. [Kidnap and Ransom Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom). Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
12. [The Chubb Primary Kidnap Ransom and Extortion Insurance](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html). Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
13. [Kidnap and Ransom Coverage](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5). Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.

Updated 2026-09-30. 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

- [Markdown page](https://spot.insure/compare/cna-vs-gallagher/kidnap-ransom.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)