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 Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 5,6
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 8,9,10,11,12
Key Differences in Umbrella and Excess Liability Insurance
Published Limit Range and Form Features
Mylo says most commercial umbrella policies add between $1 million and $15 million above underlying limits and cannot stand alone without an underlying policy. CNA names four built-in features—key-employee replacement, crisis management, waiver of subrogation and most-favorable venue—but does not publish a limit range in the reviewed record. Mylo’s range is an overview, not an individual offer; compare actual available limits with CNA’s proposal and scheduled primaries. 7 4
Brokered Markets and Underwriting
Mylo says it compares quotes from multiple carriers and has a licensed agent review whether the line fits the business. CNA describes its own umbrella underwriting and flexible underwriting. If using Mylo, the insurer and form will depend on the placement; with CNA, ask what its underwriters will offer for the same schedule. The records do not establish a price comparison or identical terms. 7 4
What to Confirm in Umbrella and Excess Liability Insurance Quotes
CNA and Mylo 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 reviewsMylo Review Score
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsCNA vs Mylo Umbrella and Excess Liability Insurance Compared
CNA vs Mylo: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CNA Commercial Umbrella and Excess Liability | Mylo Commercial Umbrella Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 7Company-reported. Commercial umbrella product page. |
| Issuing Insurer | Confirm in your quote. | The commercial umbrella product page does not name the insurer that would issue a given business's policy. 7Not publicly disclosed. Checked the commercial umbrella product page on 2026-09-23. |
| Who It’s For | Confirm in your quote. | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. 7Company-reported. Commercial umbrella product page FAQ. |
| Coverage Features | CNA says its umbrella forms are designed to align with most underlying terms and conditions. 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 commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA lists key-employee replacement, crisis management, waiver of subrogation and most-favorable venue as built-in enhancements. 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 commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 7Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| Limits and Retentions | Confirm in your quote. | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 7Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. |
| Risk Services | CNA says its commercial umbrella/excess underwriting draws on more than 50 years of experience and offers flexible underwriting. 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 commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 7Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. |
Related Pages for CNA vs Mylo Umbrella and Excess Liability Insurance
Umbrella and Excess Liability Insurance Pages for CNA and Mylo
Other Coverage Lines Compared for CNA vs Mylo
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for CNA vs Mylo Umbrella and Excess Liability 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.
- Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
Sources About Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Commercial Umbrella. Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy? Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
