---
title: "CNA vs Lockton"
description: "Compare CNA’s agent-directed small-business route with Lockton’s documented business role and buying or service model."
canonical: "https://spot.insure/compare/cna-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-lockton)

# CNA vs Lockton

Compare CNA’s agent-directed small-business route with Lockton’s documented business role and buying or service model.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

CNA directs small-business buyers to agents, while Lockton’s published materials document its application route. Compare how each handles your submission and policy support, then confirm the actual insurer, terms, and service contact in writing. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [47](https://global.lockton.com/us/en/contact-us "Contact Us")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### CNA

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best's own page for Continental Casualty could not be opened (blocked to automated access). The A+ rating is taken from CNA's annual report.; Licenses were checked in California only, for two companies. The other named CNA companies and other states were not checked.; No company-by-company statutory surplus and no policy-to-issuer mapping were reviewed.; Regulator searches covered New York and Texas actions found by web search, not every state. A separate 2024 New York filing-timeliness fine surfaced in a search summary but was not opened, so it is not counted.; CNA publishes no claims response-time commitments or staffing counts on the claims page.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best's own page for Continental Casualty could not be opened (blocked to automated access). The A+ rating is taken from CNA's annual report.; Licenses were checked in California only, for two companies. The other named CNA companies and other states were not checked.; No company-by-company statutory surplus and no policy-to-issuer mapping were reviewed.; Regulator searches covered New York and Texas actions found by web search, not every state. A separate 2024 New York filing-timeliness fine surfaced in a search summary but was not opened, so it is not counted.; CNA publishes no claims response-time commitments or staffing counts on the claims page.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/cna/reliability).

### Lockton

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/lockton/reliability).

## CNA Reviews

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).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).





## Coverage Comparison

| Coverage Type | CNA | Lockton |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk [31](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance | CNA Insurance") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [9](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed [10](https://www.cna.com/sites/default/files/assets/d76bf361-a08f-45e2-a2c1-151732208c58/2402-MKTG-ss-Ocean-Cargo-Marine-v5.pdf?ContentCache=NONE&MOD=AJPERES "Ocean Cargo | CNA") | Listed: Lockton arranges cargo insurance. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [11](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") | Listed: Lockton arranges commercial auto insurance. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed [12](https://www.cna.com/products/property "Commercial Property Insurance | CNA Insurance") | Listed: Lockton arranges commercial property insurance. [41](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: named Management Liability coverage and configurable Epack 3 component [30](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Listed: Lockton arranges commercial crime insurance. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [13](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Lockton arranges cyber insurance. [38](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [37](https://global.lockton.com/us/en/technology "Technology") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed [14](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") | Listed: Lockton arranges directors and officers liability insurance. [39](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [37](https://global.lockton.com/us/en/technology "Technology") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Lockton arranges employee health and benefits programs. [43](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed [15](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") | Listed: Lockton arranges employment practices liability insurance. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed [16](https://www.cna.com/products/equipment-breakdown "Equipment Breakdown Insurance | CNA Insurance") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed [17](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed [18](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") | Listed: Lockton arranges fiduciary liability insurance. [44](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [19](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") | Listed: Lockton arranges general liability insurance. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: coverage within Commercial Auto [29](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Not listed | Listed: Lockton arranges key person insurance. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: named Management Liability coverage and configurable Epack 3 component [30](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed [21](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Listed: component of Epack 3 package [28](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Not listed |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed [22](https://www.cna.com/sites/default/files/assets/04073b90-65ec-4053-b51a-a072591a5395/cna-healthcare-capabilities-brochure.pdf?MOD=AJPERES "Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed [23](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") [25](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") [24](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") | Listed: Lockton arranges product liability insurance. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component [28](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Listed: Lockton arranges professional errors and omissions insurance. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Lockton arranges representations and warranties insurance. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed [17](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") | Listed: Lockton arranges surety bonds. [45](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed [13](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed [20](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance | CNA Insurance") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [26](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") | Listed: Lockton arranges umbrella and excess liability insurance. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [27](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") | Listed: Lockton arranges workers’ compensation insurance. [42](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between CNA and Lockton

### Business Roles and Access

CNA’s documented small-business access begins with an agent. Lockton describes its role as follows; ask which entity will advise, place, service, and issue the policy you are considering.

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.; verified: 2026-09-28.)

Lockton’s record describes a separate role and route. Compare the actual parties named in each proposal; a brand or platform name alone does not establish who advises, places, services, or underwrites a policy.

You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. [36](https://global.lockton.com/us/en "Lockton United States") [48](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [55](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

### Applications and Buying Process

CNA’s published small-business route is agent-directed. Lockton documents the following application approach, which may be a better fit when it matches how you want to submit business information and work through options.

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.; verified: 2026-09-28.)

You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [47](https://global.lockton.com/us/en/contact-us "Contact Us") [36](https://global.lockton.com/us/en "Lockton United States") [50](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [38](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [49](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.)

### Coverage and Policy Service

The comparison table shows the current listed coverage categories for both providers. Matching labels are only a starting point: ask for each proposed policy form, endorsements, limits, deductibles or retentions, and exclusions. CNA describes this service route for its stated scope; Lockton’s record describes its own service model.

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid= "Small Business | CNA Central Agent Guide") (Evidence: Company-reported; scope: Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.; verified: 2026-09-28.)

Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [37](https://global.lockton.com/us/en/technology "Technology") [48](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [41](https://global.lockton.com/us/en/products-services/property "Property Insurance") [36](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.)

### Claims Reporting

Before selecting either route, identify the issuer and the exact instructions that apply to each policy. CNA’s source describes its reporting entry point and stated limits; Lockton’s fact records the available claims information within its documented scope. These descriptions do not establish claim outcomes.

CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. [7](https://www.cna.com/claims-center "Report an Insurance Claim") (Evidence: Company-reported; scope: CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.; verified: 2026-09-28.)

Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. [37](https://global.lockton.com/us/en/technology "Technology") [39](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [44](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [46](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [42](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [48](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.)

## What to Confirm in Quotes

Ask CNA and Lockton to identify the producer or advisor, issuing insurer, and policy-specific service contact for every proposed line. Request the same limits, deductibles or retentions, retroactive dates where applicable, endorsements, exclusions, fees, and effective dates so you can compare the actual terms. Confirm who handles routine changes and renewal questions, and get the claims reporting instructions with the policy documents. CNA’s small-business route starts with an agent; ask Lockton who will guide your submission and what support continues after binding.

## Compare Services

What each provider documents about the services you may need.

| Criteria | CNA | Lockton |
| --- | --- | --- |
| Application process | CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [4](https://www.cna.com/about/locations/us "United States") (Evidence: Company-reported; scope: CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.; verified: 2026-09-28.) | You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [47](https://global.lockton.com/us/en/contact-us "Contact Us") [36](https://global.lockton.com/us/en "Lockton United States") [50](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [38](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [49](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Servicing and renewals | CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. [3](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid= "Small Business | CNA Central Agent Guide") (Evidence: Company-reported; scope: Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.; verified: 2026-09-28.)<br><br>A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. [6](https://www.cna.com/system/files/agentcenter/a7ed16c6-bcc4-4673-836c-7461d77b585a/2510-SB-ss-Small-Business-Service-Center-v2%2B%25281%2529.pdf "Small Business Service Center") (Evidence: Company-reported; scope: Company-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.; verified: 2026-09-28.) | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [40](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [37](https://global.lockton.com/us/en/technology "Technology") [48](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [41](https://global.lockton.com/us/en/products-services/property "Property Insurance") [36](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Claims assistance | CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. [7](https://www.cna.com/claims-center "Report an Insurance Claim") (Evidence: Company-reported; scope: CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.; verified: 2026-09-28.) | Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. [37](https://global.lockton.com/us/en/technology "Technology") [39](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [44](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [46](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [42](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [48](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) |

## Related Reading

- [CNA Small Business Insurance: Products, Agents and Service](https://spot.insure/insurance-providers/cna)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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## Sources

### [CNA Official Website](https://www.cna.com)

1. [CNA Financial Corporation 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/21175/000002117526000011/cna-20251231.htm). U.S. Securities and Exchange Commission; CNA Financial Corporation filer; 2025 Form 10-K, Part I, Item 1 “Business,” opening paragraph (company status, CNA group definition, operating-company list); Note A “Basis of Presentation”; Item 1 ownership statement; exact filing text from SEC indexing and the alternate SEC-hosted annual-report PDF, accessed 2026-09-28. Accessed 2026-09-28.
2. [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.
3. [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.
4. [United States](https://www.cna.com/about/locations/us). CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
5. [Small Business | CNA Central Agent Guide](https://www.cna.com/sites/default/files/assets/28007e1c-9e6b-4606-8060-670a9fb4b465/2589-SB%2BSmall%2BBusiness%2BCNA%2BCentral%2Bguide_2022.pdf?fid=). CNA; CNA Central Agent Guide, pages 1-2; access credential note and agent portal context, page 1 lines 3-8; Get a Quote, lines 12-22; Service My Accounts, lines 39-66; copyright/trademark footer, page 2 lines 68-71 (Copyright © 2022). Accessed 2026-09-28.
6. [Small Business Service Center](https://www.cna.com/system/files/agentcenter/a7ed16c6-bcc4-4673-836c-7461d77b585a/2510-SB-ss-Small-Business-Service-Center-v2%2B%25281%2529.pdf). CNA; One-page Small Business Service Center handout, lines 0-27 (service functions, weekday hours, continuing agency relationship, enrollment/account selection); lines 40-43 (legal/distribution limitations, trademark, copyright © 2021). Accessed 2026-09-28.
7. [Report an Insurance Claim](https://www.cna.com/claims-center). CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
8. [United States | CNA Insurance](https://www.cna.com/about/locations/us). CNA; Official U.S. Locations page title, observed on page open; page body begins at lines 21-35. Accessed 2026-09-28.
9. [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.
10. [Ocean Cargo | CNA](https://www.cna.com/sites/default/files/assets/d76bf361-a08f-45e2-a2c1-151732208c58/2402-MKTG-ss-Ocean-Cargo-Marine-v5.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
11. [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto). CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
12. [Commercial Property Insurance | CNA Insurance](https://www.cna.com/products/property). CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
13. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
14. [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.
15. [Employment Practices Liability | CNA](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
16. [Equipment Breakdown Insurance | CNA Insurance](https://www.cna.com/products/equipment-breakdown). CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
17. [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.
18. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
19. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
20. [Inland & Ocean Marine Insurance | CNA Insurance](https://www.cna.com/products/marine). CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
21. [Management Liability Insurance and Professional Liability | CNA Insurance](https://www.cna.com/products/management-liability). CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
22. [Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA](https://www.cna.com/sites/default/files/assets/04073b90-65ec-4053-b51a-a072591a5395/cna-healthcare-capabilities-brochure.pdf?MOD=AJPERES). CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.
23. [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences). CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
24. [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences). CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
25. [Life Sciences Coverage Highlights FAQ | CNA](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
26. [Umbrella Insurance and Excess Liability Insurance | CNA Insurance](https://www.cna.com/products/umbrella). CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
27. [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation). CNA; Benefits, prevention, claims. Accessed 2026-09-28.
28. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). CNA; U.S. page, opened 2026-09-29: lines 48-52 Epack 3 modular policy combines cyber, media, technology and professional liability; lines 64-84 MPL and media; line 128 CNA brand disclosure and ©2026. Accessed 2026-09-29.
29. [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto). CNA; U.S. page, opened 2026-09-29: lines 28-30 and coverages lines 31-34; commercial auto covers business-use owned, hired and non-owned vehicles; ©2026 at line 61. Accessed 2026-09-29.
30. [Management Liability Insurance and Professional Liability | CNA Insurance](https://www.cna.com/products/management-liability). CNA; U.S. page, opened 2026-09-29: lines 33-44 name crime and kidnap/ransom/extortion; lines 49-54 describe modular Epack 3 and flexible coverage mix; ©2026 at line 80. Accessed 2026-09-29.
31. [Inland & Ocean Marine Insurance | CNA Insurance](https://www.cna.com/products/marine). CNA; U.S. page, opened 2026-09-29: lines 29-35 describe Inland Marine and Builders Risk appetite; lines 46-54 separately list Ocean Marine and Hull Builders Risk; ©2026 at line 84. Accessed 2026-09-29.
32. [Small Business Insurance Solutions for Life Sciences | CNA Insurance](https://www.cna.com/solutions/small-business/life-sciences). CNA; U.S. page, opened 2026-09-29: page issue marker 06.17.2025 at line 75; line 63-65 describes monoline product liability with E&O and automatic Class 1 recall mitigation-expense benefit; line 74 says issuer, availability and policy-terms qualifications; ©2026 line 101. Accessed 2026-09-29.
33. [Life Sciences Coverage FAQs](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). CNA; PDF opened 2026-09-29: p.1 lines 10-18 Class 1 recall supplementary benefit and sublimit; p.1 lines 31-34 circumstance-reporting exception; p.2 lines 104-109 says illustrative, policy controls, availability varies and copyright ©2023 / 20230314. Historical detailed qualification, not a current form. Accessed 2026-09-29.
34. [Manufacturer Insurance: Best Companies, Costs and Coverages](https://www.nerdwallet.com/business/insurance/learn/manufacturers). NerdWallet; Published 2026-03-26; CNA section, lines 348-359: manufacturer-specific editorial assessment says relatively low property/liability complaints and workers-comp complaints slightly higher than expected for company size; no full CNA review. Re-read 2026-09-29. Accessed 2026-09-29.
35. [CNA Insurance Reviews](https://www.trustpilot.com/review/www.cna.com). Trustpilot; CNA.com profile, lines 40-72 and current review entries including business billing complaint (lines 59-63) and long-term-care reports (lines 66-70); profile says reviews are individual opinions at line 177. Self-selected mixed review population, not a representative commercial-insurance outcome. Re-read 2026-09-29. Accessed 2026-09-29.

### [Lockton Official Website](https://global.lockton.com/us/en)

36. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
37. [Technology](https://global.lockton.com/us/en/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.
38. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
39. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
40. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16.
41. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16.
42. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
43. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
44. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
45. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16.
46. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
47. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
48. [US Terms of Business](https://global.lockton.com/us/en/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.
49. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
50. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
51. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
52. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
53. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
54. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
55. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
56. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
57. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry page. 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. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

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