---
title: "CNA vs Liberty Mutual: Business Owner’s Policy"
description: "Liberty Mutual describes a small-business BOP with optional cyber and professional liability; CNA Connect provides 300+ endorsement options."
canonical: "https://spot.insure/compare/cna-vs-liberty-mutual/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-liberty-mutual"
provider-a: "cna"
provider-b: "liberty-mutual"
coverage-line: "business-owners-policy"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cna-vs-liberty-mutual/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of CNA and Liberty Mutual for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about CNA versus Liberty Mutual. 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 Liberty Mutual for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, CNA or Liberty Mutual?
- What does CNA or Liberty Mutual publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from CNA or Liberty Mutual?

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

# CNA vs Liberty Mutual: How Do They Compare for Business Owner’s Policy?

Liberty Mutual describes a small-business BOP with optional cyber and professional liability; CNA Connect provides 300+ endorsement options.

## How to Use the CNA vs Liberty Mutual Business Owner’s Policy Comparison

Use this comparison to evaluate CNA and Liberty Mutual for Business Owner’s Policy 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 Liberty Mutual Business Owner’s Policy Summary

Liberty Mutual combines commercial property and general liability with optional cyber or professional-liability additions; CNA Connect offers 300+ endorsements and adjustable deductibles and limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [7](https://content.naic.org/consumer/small-business.htm "Small Business") [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## What Are the Key Differences Between CNA and Liberty Mutual Business Owner’s Policy?

### Base cover and optional additions

Liberty Mutual’s small-business page describes a BOP combining commercial property and general liability, with cyber or professional liability additions available. CNA Connect packages property and liability and advertises more than 300 optional endorsements. Ask which additional lines are endorsements versus separate policies and compare the proposed terms, since neither option count alone identifies what your business receives. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

### Agent access and product scope

Liberty Mutual sends small-business BOP buyers to independent agents. CNA’s Connect record reports class breadth but leaves agent or direct access unspecified. Ask Liberty Mutual which agent serves your location and CNA how a producer in your class can initiate a quote; the class count alone does not identify CNA’s sales channel. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

## What Should You Confirm in CNA and Liberty Mutual Business Owner’s Policy Quotes?

- Does the Liberty Mutual quote include cyber or professional liability, and under what limits? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance")
- Which insurer and product channel apply, and does your class fit the CNA Connect program? [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

## CNA vs Liberty Mutual Business Owner’s Policy Compared

| Criteria | CNA Connect Businessowners Policy | Liberty Mutual Small Business Business Owner’s Policy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Liberty Mutual markets a small-business BOP through its retail business channel. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | 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 small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The page positions the product for small businesses and refers buyers to independent agents; it is not evidence of a mid-market BOP or universal availability. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | 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 small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | 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 small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The page describes a BOP combining commercial property and general liability, with optional cyber or professional-liability additions; it distinguishes separate policies such as auto and workers’ compensation. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| How to Apply | Confirm in your quote. | Liberty Mutual directs small-business buyers to independent-agent distribution for this BOP. [6](https://www.libertymutual.com/small-business/business-owners-insurance "Business owner's policy insurance") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Related Pages for CNA vs Liberty Mutual Business Owner’s Policy

- [CNA vs Liberty Mutual](https://spot.insure/compare/cna-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [CNA vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/builders-risk)
- [CNA vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/cargo-transit)
- [CNA vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/commercial-auto)
- [CNA vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/commercial-property)
- [CNA vs Liberty Mutual Crime Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/crime)
- [CNA vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/cyber)
- [CNA vs Liberty Mutual D&O Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/directors-officers)
- [CNA vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/employment-practices)
- [CNA vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/equipment-breakdown)
- [CNA vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/cna-vs-liberty-mutual/fidelity-bonds)
- [CNA vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/fiduciary)
- [CNA vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/general-liability)
- [CNA vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/inland-marine)
- [CNA vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/kidnap-ransom)
- [CNA vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/management-liability)
- [CNA vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/medical-malpractice)
- [CNA vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/professional-errors-omissions)
- [CNA vs Liberty Mutual Surety Bonds](https://spot.insure/compare/cna-vs-liberty-mutual/surety-bonds)
- [CNA vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/technology-errors-omissions)
- [CNA vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/umbrella-excess)
- [CNA vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/workers-compensation)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy)
- [Alliance Risk vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/business-owners-policy)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy)
- [Amelia Risk vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/business-owners-policy)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy)
- [biBerk vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/biberk-vs-liberty-mutual/business-owners-policy)

## Sources for CNA vs Liberty Mutual Business Owner’s Policy

### 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.

### Sources About Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Business owner's policy insurance](https://www.libertymutual.com/small-business/business-owners-insurance). Liberty Mutual; Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure.. Accessed 2026-09-29.

### Sources for the Business Owner’s Policy Guide

7. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. 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).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-liberty-mutual/business-owners-policy.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)