---
title: "CNA vs Markel Insurance: Hired and Non-Owned Auto Insurance"
description: "CNA publishes HNOA vehicle and loss-history questions; Markel names the coverage in its small-business casualty portfolio but leaves covered autos and policy terms unspecified."
canonical: "https://spot.insure/compare/cna-vs-markel/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-markel"
provider-a: "cna"
provider-b: "markel"
coverage-line: "hired-non-owned-auto"
---

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-markel/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of CNA and Markel Insurance for Hired and Non-Owned Auto 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 Hired and Non-Owned Auto Insurance questions about CNA versus Markel Insurance. 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 Markel Insurance for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, CNA or Markel Insurance?
- What does CNA or Markel Insurance publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Hired and Non-Owned Auto Insurance from CNA or Markel Insurance?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: CNA and Markel Insurance.
- 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 Markel Insurance](https://spot.insure/compare/cna-vs-markel) — parent: all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [CNA vs Markel Insurance Builders Risk Insurance](https://spot.insure/compare/cna-vs-markel/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Crime Insurance](https://spot.insure/compare/cna-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance D&O Insurance](https://spot.insure/compare/cna-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-markel/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/cna-vs-markel/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/cna-vs-markel/media) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/cna-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Surety Bonds](https://spot.insure/compare/cna-vs-markel/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

# CNA vs Markel Insurance: How Do They Compare for Hired and Non-Owned Auto Insurance?

CNA publishes HNOA vehicle and loss-history questions; Markel names the coverage in its small-business casualty portfolio but leaves covered autos and policy terms unspecified.

## How to Use the CNA vs Markel Insurance Hired and Non-Owned Auto Insurance Comparison

Use this comparison to evaluate CNA and Markel Insurance for Hired and Non-Owned Auto 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 Markel Insurance Hired and Non-Owned Auto Insurance Summary

CNA describes business-use auto liability and publishes a supplemental HNOA application asking about personal-auto limits, rentals, and prior losses. Markel lists HNOA among small-business casualty options without publishing covered-auto terms or limits. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## 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)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [7](https://www.markel.com/about-us "About us") [8](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## What Are the Key Differences Between CNA and Markel Insurance Hired and Non-Owned Auto Insurance?

### Coverage Definition and Evidence Detail

CNA describes bodily injury and property damage liability from hired or non-owned vehicles used for business, and explains that hired vehicles include business rentals while non-owned vehicles can be employees’ personal cars. Markel lists HNOA as an option in its small-business casualty portfolio, but its public page does not specify covered autos, limits, exclusions, or terms. Buyers can identify the line in both catalogues; only CNA’s reviewed materials describe the exposure more fully. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

### Submission Preparation

CNA’s supplemental application asks for personal-auto limits, rentals or leases, prior HNOA, and five years of losses. Markel’s overview situates the option within its small-business casualty and property portfolio but does not enumerate eligible classes. Ask Markel for the form and appetite applicable to your business; use CNA’s questions to prepare driver and vehicle details for a submission. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## What Should You Confirm in CNA and Markel Insurance Hired and Non-Owned Auto Insurance Quotes?

- Ask Markel to specify covered drivers and vehicles, triggers, limits, exclusions, and eligible classes. [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")
- Ask CNA how prior loss and personal-auto limits affect the policy terms. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## CNA vs Markel Insurance Hired and Non-Owned Auto Insurance Compared

| Criteria | Commercial Auto – Hired and Non-Owned Auto | Markel hired and non-owned auto exposure |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Coverage option in small-business casualty materials; not a standalone commercial auto product..) |
| Who It’s For | CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: The guide explains the exposure and is not itself policy language or an eligibility rule..) | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: No general eligibility inference..) |
| Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions..) | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. [9](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Policy-level details remain unestablished..) |
| Risk Services | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: These are commercial-auto program services, not proof of a particular account’s enrollment or outcome..) | Confirm in your quote. |
| How to Apply | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today..) | Confirm in your quote. |

## Related Pages for CNA vs Markel Insurance Hired and Non-Owned Auto

- [CNA vs Markel Insurance](https://spot.insure/compare/cna-vs-markel): all coverage lines, business roles, service and claims.
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles.
- [CNA vs Markel Insurance Builders Risk Insurance](https://spot.insure/compare/cna-vs-markel/builders-risk)
- [CNA vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-markel/cargo-transit)
- [CNA vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-markel/commercial-property)
- [CNA vs Markel Insurance Crime Insurance](https://spot.insure/compare/cna-vs-markel/crime)
- [CNA vs Markel Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-markel/cyber)
- [CNA vs Markel Insurance D&O Insurance](https://spot.insure/compare/cna-vs-markel/directors-officers)
- [CNA vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-markel/employment-practices)
- [CNA vs Markel Insurance Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-markel/equipment-breakdown)
- [CNA vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-markel/fiduciary)
- [CNA vs Markel Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-markel/general-liability)
- [CNA vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-markel/inland-marine)
- [CNA vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/cna-vs-markel/management-liability)
- [CNA vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/cna-vs-markel/media)
- [CNA vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/cna-vs-markel/product-liability)
- [CNA vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-markel/professional-errors-omissions)
- [CNA vs Markel Insurance Surety Bonds](https://spot.insure/compare/cna-vs-markel/surety-bonds)
- [CNA vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-markel/technology-errors-omissions)
- [CNA vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-markel/umbrella-excess)
- [CNA vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-markel/workers-compensation)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto)
- [Amelia Risk vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-markel/hired-non-owned-auto)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto)
- [Beazley vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-markel/hired-non-owned-auto)

## Sources for CNA vs Markel Insurance Hired and Non-Owned Auto Insurance

### 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. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30.. Accessed 2026-09-30.
5. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30.. Accessed 2026-09-30.
6. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Sources About Markel Insurance

7. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
8. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
9. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references.. Accessed 2026-09-29.

### Sources for the Hired and Non-Owned Auto Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
11. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. 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).

## Markel Insurance Review Scores for 2026

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-markel/hired-non-owned-auto.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)