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 Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 5,6
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 8,9,10
What Are the Key Differences Between CNA and Marsh McLennan Agency D&O Insurance?
Coverage scope and access
Marsh McLennan Agency describes D&O for alleged wrongful acts, including defense costs for civil and criminal actions and investigations. CNA’s overview identifies company and individual Side A/B/C protection but does not detail investigation-cost scope. Ask MMA which investigations are covered and ask CNA for the corresponding policy wording and sublimits. 4 7
How the Difference Affects Your Placement
CNA’s record names Epack 3 and its private-company audience. Marsh McLennan Agency directs organizations to an adviser or specialist to discuss placement, without establishing quote or binding timing. If you need a defined quote route, ask Marsh McLennan Agency what application materials are required and ask your CNA agent for the Epack 3 submission process. 4 7
What Should You Confirm in CNA and Marsh McLennan Agency D&O Insurance Quotes?
CNA and Marsh McLennan Agency 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 reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsCNA vs Marsh McLennan Agency D&O Insurance Compared
CNA vs Marsh McLennan Agency: D&O Insurance: documented features by provider
| Criteria | CNA Epack 3 Private Company D&O | Marsh McLennan Agency directors officers (official overview) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. 7Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Who It’s For | CNA states this D&O product is designed for private companies, including small private companies. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Corporate executives, board members, and their organizations, as described by the source. 7Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | The cited product page describes D&O for alleged wrongful acts by directors or officers, including described defense costs for civil and criminal actions and investigations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | Confirm in your quote. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Confirm in your quote. |
Related Pages for CNA vs Marsh McLennan Agency D&O Insurance
D&O Insurance Pages for CNA and Marsh McLennan Agency
Other Coverage Lines Compared for CNA vs Marsh McLennan Agency
Other D&O Insurance Provider Comparisons
Sources for CNA vs Marsh McLennan Agency D&O 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.
- Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
Sources About Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Directors and Officers section; claims for alleged wrongful acts and defense costs. Accessed 2026-09-30.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
