--- title: "CNA vs Liberty Mutual: Professional Liability (E&O) Insurance" description: "CNA lists non-licensed MPL target classes, while Liberty Mutual names a Physicians & Surgeons professional-liability program; CNA describes multi-line routes and Liberty Mutual labels the program “PL Only.”" canonical: "https://spot.insure/compare/cna-vs-liberty-mutual/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-liberty-mutual" provider-a: "cna" provider-b: "liberty-mutual" coverage-line: "professional-errors-omissions" --- 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/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of CNA and Liberty Mutual for Professional Liability (E&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 Professional Liability (E&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 Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, CNA or Liberty Mutual? - What does CNA or Liberty Mutual publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from CNA or Liberty Mutual? **Key facts:** - Line: Professional Liability (E&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 2026-10-01. 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 - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # CNA vs Liberty Mutual: How Do They Compare for Professional Liability (E&O) Insurance? CNA lists non-licensed MPL target classes, while Liberty Mutual names a Physicians & Surgeons professional-liability program; CNA describes multi-line routes and Liberty Mutual labels the program “PL Only.” ## How to Use the CNA vs Liberty Mutual Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate CNA and Liberty Mutual for Professional Liability (E&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 Professional Liability (E&O) Insurance Summary CNA’s MPL target list includes consultants, staffing firms, advertising agencies, and event planners; Liberty Mutual lists a Physicians & Surgeons Professional program marked “PL Only.” CNA describes Epack 3 and EPS Plus combinations, while Liberty Mutual’s program listing labels its named program professional-liability only. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") ## 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. [6](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [7](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [9](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between CNA and Liberty Mutual Professional Liability (E&O) Insurance? ### Professional Classes Named CNA says its MPL targets non-licensed classes including consultants, staffing firms, advertising agencies, and event planners; that list is not a complete eligibility rule. Liberty Mutual’s specialty-program portfolio names a Physicians & Surgeons Professional program. The published class descriptions point to different professional groups: CNA’s listed non-licensed classes and Liberty Mutual’s named physician-and-surgeon program. Neither listing establishes acceptance for a particular applicant. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ### Professional Liability Grouping CNA describes Epack 3 as combining technology and professional liability with cyber and media, and EPS Plus as combining E&O and cyber for professional-services firms. Liberty Mutual marks its named Physicians & Surgeons Professional program “PL Only.” These records distinguish CNA’s described multi-line configurations from Liberty Mutual’s professional-liability-only program label; Liberty Mutual’s listing is not a policy form and does not establish quote terms. [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## What Should You Confirm in CNA and Liberty Mutual Professional Liability (E&O) Insurance Quotes? - Ask Liberty Mutual which administrator and policy form apply to the physician program. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") - Ask CNA which class and package route apply to your professional services. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") ## CNA vs Liberty Mutual Professional Liability (E&O) Insurance Compared | Criteria | CNA Professional and Technology Liability | Physicians & Surgeons Professional program | | --- | --- | --- | | Role in This Line | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") (Evidence: Company-reported; scope: These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording..) | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Who It’s For | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The listed classes are a target list, not a complete or guaranteed eligibility rule..) | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Coverage Features | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The page is a summary and does not define covered services, contract exceptions or policy triggers..) | The listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Risk Services | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: This portfolio-level statement does not establish a service outcome or a line-specific claims protocol..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Related Pages for CNA vs Liberty Mutual Professional Liability (E&O) - [CNA vs Liberty Mutual](https://spot.insure/compare/cna-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [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 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) - [Alliance Risk vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cna/professional-errors-omissions) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) - [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) ## Sources for CNA vs Liberty Mutual ### 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. [Cyber Insurance - Cyber Risk Solutions](https://www.cna.com/products/cyber). CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30.. Accessed 2026-09-30. 5. [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30.. Accessed 2026-09-30. ### Sources About Liberty Mutual 6. [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. 7. [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. 8. [Programs](https://business.libertymutual.com/commercial-solutions/programs/). Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue.. Accessed 2026-09-29. ### Sources for the Professional Liability (E&O) Insurance Guide 9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 10. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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/professional-errors-omissions.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)