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 Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
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. 9,10,11
What Are the Key Differences Between CNA and Nationwide D&O Insurance?
Product scope and quote access
Nationwide describes coverage for claims tied to alleged decisions or wrongful acts by directors and officers, subject to the policy. CNA identifies Side A, B and C for private-company D&O. Ask Nationwide which insured parties and entity claims its form covers, then compare those definitions with CNA’s three-part structure. 4 8
How the Difference Affects Your Placement
Nationwide directs prospects to an agent or quote request but the reviewed page does not establish policy limits or universal eligibility. CNA says Epack 3 can use shared or separate limits and an embedded Side A option. Request Nationwide’s quote-specific schedule and compare the actual limits, retentions and exclusions with CNA. 4 8
What Should You Confirm in CNA and Nationwide D&O Insurance Quotes?
CNA and Nationwide 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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsCNA vs Nationwide D&O Insurance Compared
CNA vs Nationwide: D&O Insurance: documented features by provider
| Criteria | CNA Epack 3 Private Company D&O | Nationwide directors officers (official overview) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Nationwide describes offering directors officers for the audience stated on the cited product page. 8Company-reported. directors officers marketed by nationwide; 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. | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. 8Company-reported. directors officers marketed by nationwide; 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 insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. directors officers marketed by nationwide; 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. 8Not 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 directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. directors officers marketed by nationwide; 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 Nationwide D&O Insurance
D&O Insurance Pages for CNA and Nationwide
Other Coverage Lines Compared for CNA vs Nationwide
Other D&O Insurance Provider Comparisons
Sources for CNA vs Nationwide 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 Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Directors and Officers Liability. Nationwide; D&O page; management-liability product and covered exposures. 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.
