---
title: "CNA vs Heffernan Insurance Brokers: Workers’ Compensation Insurance"
description: "Heffernan describes claims advocacy, carrier liaison and 24/7 medical triage; CNA reports claims-team experience and safety programs."
canonical: "https://spot.insure/compare/cna-vs-heffernan/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-heffernan"
provider-a: "cna"
provider-b: "heffernan"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-heffernan/workers-compensation)

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation 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
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 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)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)

# CNA vs Heffernan Insurance Brokers: How Do They Compare for Workers’ Compensation Insurance?

Heffernan describes claims advocacy, carrier liaison and 24/7 medical triage; CNA reports claims-team experience and safety programs.

## How to Use the CNA vs Heffernan Insurance Brokers Workers’ Compensation Insurance Comparison

Use this comparison to evaluate CNA and Heffernan Insurance Brokers for Workers’ Compensation 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 Workers’ Compensation Insurance Summary

Heffernan’s workers’ compensation claims advocacy includes carrier liaison, experience-mod analysis and 24/7 medical triage. CNA reports an experienced claims team and describes safety resources for return-to-work planning. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business 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 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 Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [11](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [12](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [13](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [14](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between CNA and Heffernan Insurance Brokers Workers’ Compensation Insurance?

### Claim Advocacy and Triage

Heffernan describes a claims-consulting division that works alongside the issuing carrier, with customized strategy, direct carrier liaison, experience-mod analysis and 24/7 phone or on-site medical triage. CNA describes a dedicated claims team averaging 20 years of workers’ compensation experience. These are different service models—broker-side advocacy and triage versus a carrier team—so employers should ask who answers first after an injury and how responsibilities are divided. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance")

### Injury Prevention

CNA lists safety information, training and risk-control programs to support return-to-work strategies. Heffernan’s record emphasizes claim consultation and medical triage; it does not describe an equivalent general safety program in the reviewed claims. That is a difference in documented detail, not proof the broker offers no other risk services. Ask each how prevention, clinical triage and claim advocacy fit together for your workforce. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## What Should You Confirm in CNA and Heffernan Insurance Brokers Workers’ Compensation Insurance Quotes?

- Ask Heffernan which triage services are available in your states and how it coordinates with the carrier. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")
- Ask CNA who can access its claims and return-to-work resources. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance")

## CNA vs Heffernan Insurance Brokers Workers’ Compensation Compared

| Criteria | CNA Workers’ Compensation | Heffernan Workers' Compensation Brokerage and Claims Advocacy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Company-reported; scope: Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. [7](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23..) |
| Who It’s For | Confirm in your quote. | Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule..) |
| Coverage Features | CNA workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. [8](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules..) |
| Limits and Retentions | Confirm in your quote. | The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. [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 Brokerage, Small Business, and Home Care pages as read on 2026-09-23..) |
| Risk Services | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says its dedicated claims team averages 20 years of workers’ compensation experience. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [9](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program..) |
| Claims Support | Confirm in your quote. | Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. [10](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance..) |

## 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 Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [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 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)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation)
- [AIG vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-heffernan/workers-compensation)
- [Alliance Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/workers-compensation)
- [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation)
- [Amelia Risk vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/workers-compensation)

## 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. [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation). CNA; Benefits, prevention, 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; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures. Accessed 2026-09-23.
8. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Workers' compensation covers injuries to your employees while on the job.. Accessed 2026-09-23.
9. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; Home Care Workers' Compensation: Workers' compensation for home care workers can have the greatest financial impact on your business expenses. Our home care insurance specialists can help walk you through the coverage and premium of home care workers' comp coverage and advise you on what can be done to minimize costs and risks.. Accessed 2026-09-23.
10. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise — Claims Strategy, Carrier Liaison, Experience Mod Analysis; Medical Triage Services — 24/7 Nurse Access, Telemedicine Options, Comprehensive Reporting; Why Choose Heffernan Consulting Division: 25+ Years of Claims Expertise, over $1 billion in claims managed; 75% of Faster Claims Processing. Accessed 2026-09-23.

### Sources for the Workers’ Compensation Insurance Guide

11. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
12. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
13. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
14. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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/workers-compensation.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)