CNA vs 
Hiscox: How Do They Compare for General Liability Insurance?
Hiscox sells admitted small-business GL directly online, names Hiscox Insurance Company Inc. as underwriter, and says online sale is available in 49 states and D.C., not Alaska. CNA identifies size segments and industry-specific underwriting support. Buyers should compare state availability and class eligibility. 4,7,8
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 5,6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 11,12,13
Key Differences in General Liability Insurance
Eligibility and Buying Route
Hiscox sells admitted small-business GL directly online, names Hiscox Insurance Company Inc. as underwriter, and says online sale is available in 49 states and D.C., not Alaska. CNA identifies size segments and industry-specific underwriting support. 7 9 8 4 Buyers should compare state availability and class eligibility. 4
Technology Provision and Claims
Hiscox describes an electronic-data-liability provision for IT and technology professions, online claim reporting 24/7 and a specialized claims professional. CNA describes industry-specific risk-control and claims professionals without the same named electronic-data provision in the reviewed claim. 8 4 Technology firms should inspect how this provision interacts with separate technology E&O and cyber coverage. 4
What to Confirm in General Liability Insurance Quotes
CNA and Hiscox Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsHiscox Review Score
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsCNA vs Hiscox General Liability Insurance Compared
CNA vs Hiscox: General Liability Insurance: documented features by provider
| Criteria | CNA Commercial General Liability | Hiscox General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 7,8Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. |
| Issuing Insurer | Confirm in your quote. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. 9,7Company-reported. Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
| Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 8Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting. |
| Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 8Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. |
| Limits and Retentions | Confirm in your quote. | The general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. 8Not publicly disclosed. Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific. |
| Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. 8Company-reported. Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application. |
| Claims Support | Confirm in your quote. | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 8,10Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time. |
Related Pages for CNA vs Hiscox General Liability Insurance
General Liability Insurance Pages for CNA and Hiscox
Other Coverage Lines Compared for CNA vs Hiscox
Other General Liability Insurance Provider Comparisons
Sources for CNA vs Hiscox General Liability Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
Sources About Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- General Liability Insurance. Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; footer underwriting disclosure. Accessed 2026-09-16.
- Start a Business Insurance Claim Online, by Phone or Mail. Hiscox; Online claim filing; specialized claims professional assignment; coverage validation. Accessed 2026-09-16.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
