---
title: "CNA vs Liberty Mutual: Fidelity Bonds"
description: "CNA names five fidelity bond forms; Liberty Mutual Surety lists fidelity among commercial bonds without identifying a particular buyer form."
canonical: "https://spot.insure/compare/cna-vs-liberty-mutual/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-liberty-mutual"
provider-a: "cna"
provider-b: "liberty-mutual"
coverage-line: "fidelity-bonds"
---

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/fidelity-bonds)

## Agent Guide

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

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

**Key facts:**
- Line: Fidelity Bonds. 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
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — 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 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 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 Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs CNA Fidelity Bonds](https://spot.insure/compare/beazley-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/beazley-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# CNA vs Liberty Mutual: How Do They Compare for Fidelity Bonds?

CNA names five fidelity bond forms; Liberty Mutual Surety lists fidelity among commercial bonds without identifying a particular buyer form.

## How to Use the CNA vs Liberty Mutual Fidelity Bonds Comparison

Use this comparison to evaluate CNA and Liberty Mutual for Fidelity Bonds 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 Fidelity Bonds Summary

CNA identifies dishonesty, janitorial-services, blanket, scheduled and ERISA bonds. Liberty Mutual Surety lists fidelity among its commercial-bond solutions but does not identify a buyer-specific form. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## 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 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

## What Are the Key Differences Between CNA and Liberty Mutual 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](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance")). 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](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")). 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](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance")). 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](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")). 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 Should You Confirm in CNA and Liberty Mutual 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 vs Liberty Mutual Fidelity Bonds Compared

| 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. [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (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 | 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. [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (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 describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: 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..)<br><br>CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: 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. [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (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. [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: 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. [7](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (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 Fidelity Bonds

- [CNA vs Liberty Mutual](https://spot.insure/compare/cna-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets.
- [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 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 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 Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds)
- [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds)
- [The Baldwin Group vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/fidelity-bonds)
- [Beazley vs CNA Fidelity Bonds](https://spot.insure/compare/beazley-vs-cna/fidelity-bonds)
- [Beazley vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/beazley-vs-liberty-mutual/fidelity-bonds)

## Sources for CNA vs Liberty Mutual Fidelity Bonds

### 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. [CNA Surety - Surety and Fidelity Bonds | CNA Insurance](https://www.cna.com/products/cna-surety). CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. 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. [Commercial Bonds](https://business.libertymutual.com/commercial-solutions/surety/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

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.

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/fidelity-bonds.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)