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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 5,6,7
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 10,11,12
What Are the Key Differences Between CNA and HUB International D&O Insurance?
Claims specialists and policy scope
HUB says its Claims & Legal Risks Group, staffed by attorneys specializing in ProEx lines including D&O, supports wording review before a claim through recovery. CNA says an experienced insurer claims team supports policyholders. Ask whether HUB’s assistance is included for the proposed placement and how it coordinates with CNA’s claims team. 4 9
How the Difference Affects Your Placement
HUB describes D&O coverage for civil and criminal proceedings, regulatory matters and employment-related claims, while CNA’s summary identifies Side A, B and C but gives less detail on claim categories. Compare the actual insuring agreements and exclusions, especially for investigations and employment disputes. 4 8
What Should You Confirm in CNA and HUB International D&O Insurance Quotes?
CNA and HUB International 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 reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsCNA vs HUB International D&O Insurance Compared
CNA vs HUB International: D&O Insurance: documented features by provider
| Criteria | CNA Epack 3 Private Company D&O | HUB International Directors and Officers Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 8,9Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote. |
| Who It’s For | CNA states this D&O product is designed for private companies, including small private companies. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 8Company-reported. D&O product page target-market description; not an underwriting appetite statement. |
| Coverage Features | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 8Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 8Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. |
| Limits and Retentions | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Published D&O policy limits or retentions were not found on the reviewed pages. 8,9Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Confirm in your quote. | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. 9Company-reported. ProEx page team and services description; not specific to a single D&O engagement. |
| How to Apply | Confirm in your quote. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 8Company-reported. D&O product page call to action. |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 9Company-reported. ProEx page claims and legal support section. |
Related Pages for CNA vs HUB International D&O Insurance
D&O Insurance Pages for CNA and HUB International
Other Coverage Lines Compared for CNA vs HUB International
Other D&O Insurance Provider Comparisons
Sources for CNA vs HUB International D&O 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.
- Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Directors and Officers (D&O) Liability Insurance Broker. HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
