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 Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Market Access and Claims Experience
Lockton is a broker and says its workers’ compensation clients can access more than 100 regional, global and program markets, with benchmarking through InfoLock. CNA describes its claims and prevention resources, while Lockton describes a broker’s access to a broad set of markets. Lockton’s market access is not a promise that every market will quote; compare actual insurer proposals and the roles each team will play. 8 4
Specialist Programs and Claims Support
Lockton lists captive consulting, Texas non-subscription, maritime programs, trucking options and qualified self-insurance support, and describes actuaries, claims advisors and safety specialists. CNA reports a dedicated claims team averaging 20 years’ experience and offers prevention resources. The records differ in program breadth versus a carrier service team; ask which Lockton capabilities fit your exposure and compare CNA’s quoted policy and service access. 8 4
What to Confirm in Workers’ Compensation Insurance Quotes
CNA and Lockton 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 reviewsLockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsCNA vs Lockton Workers’ Compensation Insurance Compared
CNA vs Lockton: Workers’ Compensation Insurance: documented features by provider
| Criteria | CNA Workers’ Compensation | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. 8Company-reported. Workers' Compensation product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. 8Not publicly disclosed. Workers' Compensation page checked 2026-09-23. |
| Coverage Features | CNA workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. 8Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. |
| Risk Services | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says its dedicated claims team averages 20 years of workers’ compensation experience. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. 8Company-reported. Workers' Compensation product page as read 2026-09-23. Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. 8Company-reported. Workers' Compensation product page as read 2026-09-23. |
Related Pages for CNA vs Lockton Workers’ Compensation Insurance
Workers’ Compensation Insurance Pages for CNA and Lockton
Other Coverage Lines Compared for CNA vs Lockton
Other Workers’ Compensation Insurance Provider Comparisons
Sources for CNA vs Lockton Workers’ Compensation Insurance
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.
- Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
Sources About Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Workers' Compensation. Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). Accessed 2026-09-23.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
