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
Read the HUB International profile
Read the HUB International Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Form Features and Industry Scope
CNA’s umbrella description identifies key-employee replacement, crisis management, waiver of subrogation and most-favorable venue as built-in enhancements. HUB describes an umbrella and excess brokerage practice serving transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate, but its reviewed overview does not identify those form features. A buyer can use CNA’s list to frame wording questions and HUB’s industry scope to ask which carrier markets fit the operation. 4 8
Placement and Related Support
HUB says it brokers the coverage through its casualty practice and applies risk-services, claims, litigation and analytics expertise across placements. CNA describes its own umbrella underwriting and flexible underwriting. These records describe different roles in the transaction, so compare HUB’s proposed carrier and service scope with the CNA policy proposal rather than treating either as an identical service package. 8 4
What to Confirm in Umbrella and Excess Liability 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 Umbrella and Excess Liability Compared
CNA vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CNA Commercial Umbrella and Excess Liability | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 8Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 8Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Confirm in your quote. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 8Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| Coverage Features | CNA says its umbrella forms are designed to align with most underlying terms and conditions. 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 umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA lists key-employee replacement, crisis management, waiver of subrogation and most-favorable venue as built-in enhancements. 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 umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Confirm in your quote. | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 8Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | CNA says its commercial umbrella/excess underwriting draws on more than 50 years of experience and offers flexible underwriting. 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 umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 8Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. |
Related Pages for CNA vs HUB International
Umbrella and Excess Liability Pages for CNA and HUB International
Other Coverage Lines Compared for CNA vs HUB International
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for CNA vs HUB International
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.
- Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. 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.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
