--- title: "CNA vs Heffernan Insurance Brokers: Fiduciary Liability Insurance" description: "CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Heffernan lists fiduciary coverage for business and family-office clients." canonical: "https://spot.insure/compare/cna-vs-heffernan/fiduciary" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-heffernan" provider-a: "cna" provider-b: "heffernan" 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-heffernan/fiduciary) ## Agent Guide **What this page is:** Focused comparison of CNA and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. 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 Heffernan Insurance Brokers for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, CNA or Heffernan Insurance Brokers? - What does CNA or Heffernan Insurance Brokers publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from CNA or Heffernan Insurance Brokers? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: CNA and Heffernan Insurance Brokers. - 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 Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan) — 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) - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [CNA vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/cna-vs-heffernan/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds) — sibling comparison (other line, or other pair for this line) - [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line) # CNA vs Heffernan Insurance Brokers: How Do They Compare for Fiduciary Liability Insurance? CNA’s 2025 Epack 3 sheet names public, private and nonprofit organizations; Heffernan lists fiduciary coverage for business and family-office clients. ## How to Use the CNA vs Heffernan Insurance Brokers Fiduciary Liability Insurance Comparison Use this comparison to evaluate CNA and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers Fiduciary Liability Insurance Summary CNA says its 2025 fiduciary offering is written for public, private and nonprofit organizations, subject to underwriting. Heffernan lists fiduciary coverage in its business-insurance and family-office practices. [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.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/family-office/ "Family Office") ## 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 Heffernan Insurance Brokers? Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [5](https://www.heffins.com/about-us/our-story/ "Our Story") [6](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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. [9](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") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## What Are the Key Differences Between CNA and Heffernan Insurance Brokers Fiduciary Liability Insurance? ### Organization and client-segment descriptions CNA’s 2025 Epack 3 sheet says its fiduciary offering is written for public, private and nonprofit organizations, subject to underwriting. Heffernan lists fiduciary coverage through its business-insurance program and its family-office practice, which serves family offices, trust companies, trustees, financial advisors, private equity firms, foundations and financial institutions ([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.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")[8](https://www.heffins.com/family-office/ "Family Office")). CNA states organization types; Heffernan names client segments. A plan sponsor can use those descriptions to determine which team to approach, then confirm underwriting eligibility. ### How the fiduciary line is presented CNA describes a named Epack 3 Fiduciary Liability offering and exposure from administering and managing employee-benefit and retirement plans. Heffernan lists fiduciary responsibility among corporate and executive-protection coverages and fiduciary liability within its family-office coverage list ([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.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")[8](https://www.heffins.com/family-office/ "Family Office")). The pages present the same line at different levels: CNA identifies a product and exposure, while Heffernan lists it within two practices. Ask for the form and insured definitions for the sponsor and plan. ## What Should You Confirm in CNA and Heffernan Insurance Brokers Fiduciary Liability Insurance Quotes? - Which Heffernan practice and insurer would handle your sponsor or family-office plan? - Which CNA issuing company, organization type and policy definitions apply? ## CNA vs Heffernan Insurance Brokers Fiduciary Liability Compared | Criteria | CNA Epack 3 Fiduciary Liability | Heffernan Fiduciary Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | | 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..) | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) | | 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..)

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..) | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) | | Limits and Retentions | Confirm in your quote. | Neither page publishes a fiduciary-liability limit, retention, or premium range. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; a company-described service, not a measured outcome..) | | How to Apply | Confirm in your quote. | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [8](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) | | 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 Heffernan Insurance Brokers - [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan): 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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/cna-vs-heffernan/builders-risk) - [CNA vs Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/cna-vs-heffernan/business-owners-policy) - [CNA vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-heffernan/cargo-transit) - [CNA vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-auto) - [CNA vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/cna-vs-heffernan/commercial-property) - [CNA vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cna-vs-heffernan/crime) - [CNA vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/cna-vs-heffernan/cyber) - [CNA vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/employment-practices) - [CNA vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/cna-vs-heffernan/fidelity-bonds) - [CNA vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/general-liability) - [CNA vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-heffernan/hired-non-owned-auto) - [CNA vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-heffernan/medical-malpractice) - [CNA vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-heffernan/professional-errors-omissions) - [CNA vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/cna-vs-heffernan/surety-bonds) - [CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-heffernan/workers-compensation) - [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary) - [AIG vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/fiduciary) - [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary) - [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary) - [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary) - [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary) ## Sources for CNA vs Heffernan Insurance Brokers ### 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 Heffernan Insurance Brokers 5. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 6. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16. 7. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23. 8. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. Accessed 2026-09-23. ### Sources for the Fiduciary Liability Insurance Guide 9. [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. 10. [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. 11. [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). ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-heffernan/fiduciary.md) - [Developer resources](https://spot.insure/developers) - [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)