CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is 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. 5,6
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 8,9,10
Key Differences in Fidelity Bonds
Specific bond types and a broad catalogue entry
CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio ( 4). Liberty Mutual Surety lists fidelity among commercial bond solutions, while its recorded claim says the overview does not identify a particular form for a buyer ( 7). If a contract or plan names a required bond, the buyer needs Liberty Mutual’s proposed form and covered obligation to compare it with CNA’s named categories.
Coverage description and terms to obtain
CNA describes fidelity bonds as protection for businesses and their customers against employee-dishonesty losses ( 4). Liberty Mutual’s commercial-bond overview lists fidelity as a solution but does not describe the covered obligation or claim trigger for a particular fidelity bond ( 7). This distinction concerns what the reviewed descriptions establish; it does not determine what Liberty Mutual may quote. Obtain the actual bond form, obligee and claim trigger.
What to Confirm in Fidelity Bonds Quotes
- Which Liberty Mutual fidelity form and covered obligation would be proposed, and who is the obligee?
- Does the CNA bond wording cover the loss and obligee required by your contract or plan, at the required amount?
CNA and Liberty Mutual Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsLiberty Mutual Review Score
Review Score
2 rated sources
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.[4][1]
Read Liberty Mutual reviewsCNA vs Liberty Mutual Fidelity Bonds Compared
CNA vs Liberty Mutual: Fidelity Bonds: documented features by provider
| Criteria | CNA Fidelity Bonds | Liberty Mutual Commercial Fidelity Bonds |
|---|---|---|
| Role in This Line | Confirm in your quote. | Liberty Mutual Surety lists fidelity bonds among its commercial bond solutions; it does not identify a particular bond form for a buyer. 7Company-reported. 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 | Confirm in your quote. | The commercial-bonds page describes solutions for individual professionals, midsize businesses and large companies; availability of each bond type for each buyer is not stated. 7Company-reported. 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 describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. 4Company-reported. Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern. CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. 4Company-reported. Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility. | The page identifies fidelity bonds as one item in a broad commercial-bond catalogue but does not describe the covered obligation or claim trigger for a particular fidelity bond. 7Company-reported. 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. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | CNA says experienced claims specialists help resolve surety and fidelity claims. 4Company-reported. Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed. | Liberty Mutual Surety describes its commercial bond solutions as tailored across business sectors and supported by specialized surety underwriting teams. 7Company-reported. 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 Fidelity Bonds
Fidelity Bonds Pages for CNA and Liberty Mutual
Other Coverage Lines Compared for CNA vs Liberty Mutual
Other Fidelity Bonds Provider Comparisons
Sources for CNA vs Liberty Mutual Fidelity Bonds
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
Sources About Liberty Mutual
- 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.
- Commercial Insurance 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.
- Commercial Bonds. Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale. Accessed 2026-09-29.
Sources for the Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
