--- title: "CNA vs Liberty Mutual: D&O Insurance" description: "CNA lets Epack 3 use shared or separate D&O limits with embedded Side A; Liberty Mutual places D&O inside its ProShield management-liability package." canonical: "https://spot.insure/compare/cna-vs-liberty-mutual/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "cna-vs-liberty-mutual" provider-a: "cna" provider-b: "liberty-mutual" coverage-line: "directors-officers" --- 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/directors-officers) ## Agent Guide **What this page is:** Focused comparison of CNA and Liberty Mutual for D&O 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 D&O Insurance 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 D&O Insurance: how do they differ? - Which is better for D&O Insurance, CNA or Liberty Mutual? - What does CNA or Liberty Mutual publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from CNA or Liberty Mutual? **Key facts:** - Line: D&O Insurance. 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 2026-09-30. 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 - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — 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 Business Owner’s Policy](https://spot.insure/compare/cna-vs-liberty-mutual/business-owners-policy) — 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 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) - [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) # CNA vs Liberty Mutual: How Do They Compare for D&O Insurance? CNA lets Epack 3 use shared or separate D&O limits with embedded Side A; Liberty Mutual places D&O inside its ProShield management-liability package. ## How to Use the CNA vs Liberty Mutual D&O Insurance Comparison Use this comparison to evaluate CNA and Liberty Mutual for D&O 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 Liberty Mutual D&O Insurance Summary CNA lets Epack 3 use shared or separate D&O limits with embedded Side A; Liberty Mutual places D&O inside its ProShield management-liability package. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## 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. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## 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. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between CNA and Liberty Mutual D&O Insurance? ### Limits and package structure CNA says Epack 3 D&O can use shared or separate limits and an embedded Side A amount. Liberty Mutual describes ProShield as one package combining management-liability coverages, intended to reduce separate endorsements. Ask whether Liberty’s proposed D&O shares an aggregate with other lines and compare that with CNA’s selectable structure. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### How the Difference Affects Your Placement Liberty Mutual lists investigation and pre-claim inquiry features and offers private-company and nonprofit options; CNA names Side A/B/C coverage and small private-company focus. If investigation costs matter, compare the definitions and sublimits in both forms rather than treating overview language as a promise. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in CNA and Liberty Mutual D&O Insurance Quotes? - Does ProShield share its limit across management-liability lines, and what separate options exist? [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") - What investigation and pre-claim inquiry costs does Liberty Mutual include, and at what sublimit? [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## CNA vs Liberty Mutual D&O Insurance Compared | Criteria | CNA Epack 3 Private Company D&O | Liberty Mutual ProShield Directors and Officers coverage | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Liberty Mutual includes D&O coverage in its ProShield management-liability package. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (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 states this D&O product is designed for private companies, including small private companies. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: 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..) | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (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’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: 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..) | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (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 | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: 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..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (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..) | | Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: 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..) | Confirm in your quote. | ## Related Pages for CNA vs Liberty Mutual D&O Insurance - [CNA vs Liberty Mutual](https://spot.insure/compare/cna-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [CNA vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/builders-risk) - [CNA vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/cna-vs-liberty-mutual/business-owners-policy) - [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 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) - [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) - [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) - [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) ## Sources for CNA vs Liberty Mutual D&O Insurance ### 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. [Private Company Directors & Officers Liability | CNA](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28. ### Sources About Liberty Mutual 5. [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. 6. [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. 7. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### Sources for the D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). 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. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). 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. Updated 2026-09-30. 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/directors-officers.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)