--- title: "CNA vs Heffernan Insurance Brokers: General Liability Insurance" description: "Heffernan has standard brokerage and on-demand GL routes, while CNA describes size-based underwriting resources." canonical: "https://spot.insure/compare/cna-vs-heffernan/general-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-heffernan" provider-a: "cna" provider-b: "heffernan" coverage-line: "general-liability" --- 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/general-liability) ## Agent Guide **What this page is:** Focused comparison of CNA and Heffernan Insurance Brokers for General 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 General 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 General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, CNA or Heffernan Insurance Brokers? - What does CNA or Heffernan Insurance Brokers publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from CNA or Heffernan Insurance Brokers? **Key facts:** - Line: General 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 - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary) — 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 General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) # CNA vs Heffernan Insurance Brokers: How Do They Compare for General Liability Insurance? Heffernan has standard brokerage and on-demand GL routes, while CNA describes size-based underwriting resources. ## How to Use the CNA vs Heffernan Insurance Brokers General Liability Insurance Comparison Use this comparison to evaluate CNA and Heffernan Insurance Brokers for General 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 General Liability Insurance Summary Heffernan places standard commercial GL through its brokerage, and separately distributes an on-demand online option with Thimble, naming Markel Insurance Company for that product. CNA identifies size-based GL solutions with industry-specific underwriting support. Buyers should distinguish which Heffernan route the quote uses and who issues it. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## 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 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. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## What Are the Key Differences Between CNA and Heffernan Insurance Brokers General Liability Insurance? ### Eligibility and Buying Route Heffernan places standard commercial GL through its brokerage, and separately distributes an on-demand online option with Thimble, naming Markel Insurance Company for that product. CNA identifies size-based GL solutions with industry-specific underwriting support. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") Buyers should distinguish which Heffernan route the quote uses and who issues it. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") ### Standard and On-Demand Routes Heffernan describes GL for bodily injury and property damage caused by the company, its people or products; its on-demand option advertises $1 million or $2 million limits and short-term pricing from $5. CNA describes covered third-party injury or damage but no comparable public limit in the reviewed claim. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") Check that the on-demand product fits the policy period and class. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") ## What Should You Confirm in CNA and Heffernan Insurance Brokers General Liability Insurance Quotes? - Ask Heffernan whether the quote is standard brokerage placement or Thimble on-demand coverage. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") - Ask CNA for offered limits and class-specific terms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") - Ask Heffernan whether this quote uses its short-term Thimble route or standard brokerage placement. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") ## CNA vs Heffernan Insurance Brokers General Liability Compared | Criteria | CNA Commercial General Liability | Heffernan General Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Heffernan lists general liability among the basic coverages it places for business clients through its standard commercial-insurance brokerage, shopping insurers rather than underwriting the policy itself. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page as read on 2026-09-23..)

Separately, Heffernan has partnered with Thimble Insurance Services to distribute an on-demand general liability product bought directly online, a distinct and narrower distribution model from its standard commercial brokerage placement. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | For the Thimble-partnered on-demand product, Heffernan says policies are underwritten by A-rated insurers, naming Markel Insurance Company. The reviewed pages for Heffernan's standard commercial general liability placements do not name an insurer. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Short-Term General Liability page for the named insurer; Business Insurance and Small Business pages for the standard-placement gap, as read on 2026-09-23..) | | Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: 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..) | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, plus named specialty programs. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published..) | | Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: 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..) | Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements..) | | Limits and Retentions | Confirm in your quote. | Heffernan's Thimble-partnered on-demand product advertises $1 million or $2 million general liability limits, with pricing starting at $5 for short terms. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23; Thimble's own disclaimer says eligibility, pricing, and coverage vary by state, activity class, and other factors..)

For its standard commercial general liability placements, Heffernan's reviewed pages do not publish limit, retention, or premium ranges. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Business Insurance and Small Business Insurance pages as read on 2026-09-23..) | | Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: 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..) | For standard commercial clients, Heffernan says it provides claims services, loss control, HR consulting, and risk-management and assessment services alongside placed coverages such as general liability. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page as read on 2026-09-23; not general liability-specific and not described for the Thimble-partnered on-demand product..) | | How to Apply | Confirm in your quote. | The Thimble-partnered product is bought directly online with no paper forms, producing an ACORD certificate of insurance in under 30 seconds according to Heffernan's page. [9](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23..) | ## Related Pages for CNA vs Heffernan Insurance Brokers General Liability - [CNA vs Heffernan Insurance Brokers](https://spot.insure/compare/cna-vs-heffernan): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [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 Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-heffernan/fiduciary) - [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 General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) - [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) - [Alliance Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/general-liability) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) - [Amelia Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/general-liability) ## 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. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. 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; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures, among others.. Accessed 2026-09-23. 8. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses: sole proprietors to fast-growing companies; General liability insurance covers bodily injury and property damage caused by your company, by both people and products; industry list including Construction, Food Industry, Health Care, Hospitality, Nonprofits, Real Estate, Technology, Transportation, Vintners and Growers, Specialty Programs. Accessed 2026-09-23. 9. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Heffernan has partnered with Thimble Insurance Services; On-demand General Liability Insurance can be purchased for an hour, a day, or a month; Get your certificate of insurance in less than 30 seconds with $1 million coverage starting at $5; Buy a $1M or $2M General Liability policy ... in seconds; Rely on Verifly: All policies are underwritten by A-Rated insurers, including Markel Insurance Company; Eligibility, pricing and coverage may vary by state, activity/class and other factors. Accessed 2026-09-23. ### Sources for the General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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. 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/general-liability.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)