---
title: "CNA vs HUB International: Umbrella and Excess Liability Insurance"
description: "CNA lists four form enhancements; HUB brings umbrella placements into a casualty practice serving six named industries."
canonical: "https://spot.insure/compare/cna-vs-hub-international/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-hub-international"
provider-a: "cna"
provider-b: "hub-international"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-hub-international/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of CNA and HUB International for Umbrella and Excess 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 Umbrella and Excess Liability Insurance questions about CNA versus HUB International. 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 HUB International for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, CNA or HUB International?
- What does CNA or HUB International publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from CNA or HUB International?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: CNA and HUB International.
- 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 HUB International](https://spot.insure/compare/cna-vs-hub-international) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [CNA vs HUB International Builders Risk Insurance](https://spot.insure/compare/cna-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Business Owner’s Policy](https://spot.insure/compare/cna-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Commercial Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Crime Insurance](https://spot.insure/compare/cna-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Cyber Insurance](https://spot.insure/compare/cna-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International D&O Insurance](https://spot.insure/compare/cna-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Fidelity Bonds](https://spot.insure/compare/cna-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International General Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Inland Marine Insurance](https://spot.insure/compare/cna-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-hub-international/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Management Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-hub-international/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Product Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# CNA vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?

CNA lists four form enhancements; HUB brings umbrella placements into a casualty practice serving six named industries.

## How to Use the CNA vs HUB International Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate CNA and HUB International for Umbrella and Excess 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 HUB International Umbrella and Excess Liability Insurance Summary

CNA names four built-in enhancements. HUB brokers umbrella and excess within a casualty practice spanning transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## 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 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products")

## What Are the Key Differences Between CNA and HUB International 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](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")

## What Should You Confirm in CNA and HUB International Umbrella and Excess Liability Insurance Quotes?

- Ask HUB which carrier and underlying schedule it proposes for your industry, plus what casualty support is included. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask CNA for actual limits and enhancement wording. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")
- Compare attachment terms, exclusions and service contacts before binding. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")

## CNA vs HUB International Umbrella and Excess Liability Compared

| 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess 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 umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA lists key-employee replacement, crisis management, waiver of subrogation and most-favorable venue as built-in enhancements. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess 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 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess 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 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. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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

- [CNA vs HUB International](https://spot.insure/compare/cna-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [CNA vs HUB International Builders Risk Insurance](https://spot.insure/compare/cna-vs-hub-international/builders-risk)
- [CNA vs HUB International Business Owner’s Policy](https://spot.insure/compare/cna-vs-hub-international/business-owners-policy)
- [CNA vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-hub-international/cargo-transit)
- [CNA vs HUB International Commercial Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-auto)
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property)
- [CNA vs HUB International Crime Insurance](https://spot.insure/compare/cna-vs-hub-international/crime)
- [CNA vs HUB International Cyber Insurance](https://spot.insure/compare/cna-vs-hub-international/cyber)
- [CNA vs HUB International D&O Insurance](https://spot.insure/compare/cna-vs-hub-international/directors-officers)
- [CNA vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/employment-practices)
- [CNA vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-hub-international/equipment-breakdown)
- [CNA vs HUB International Fidelity Bonds](https://spot.insure/compare/cna-vs-hub-international/fidelity-bonds)
- [CNA vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/fiduciary)
- [CNA vs HUB International General Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/general-liability)
- [CNA vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/hired-non-owned-auto)
- [CNA vs HUB International Inland Marine Insurance](https://spot.insure/compare/cna-vs-hub-international/inland-marine)
- [CNA vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-hub-international/kidnap-ransom)
- [CNA vs HUB International Management Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/management-liability)
- [CNA vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-hub-international/medical-malpractice)
- [CNA vs HUB International Product Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/product-liability)
- [CNA vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-hub-international/professional-errors-omissions)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions)
- [CNA vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-hub-international/workers-compensation)
- [AIG vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cna/umbrella-excess)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess)
- [Alliance Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/umbrella-excess)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)

## Sources for CNA vs HUB International

### 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. [Umbrella Insurance and Excess Liability Insurance | CNA Insurance](https://www.cna.com/products/umbrella). CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.

### Sources About HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
8. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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

9. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
11. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). 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.
12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
13. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-hub-international/umbrella-excess.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)