---
title: "CNA vs Nationwide: Management Liability Insurance"
description: "CNA: CNA directs agents to Agent Center for applications. Nationwide: 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."
canonical: "https://spot.insure/compare/cna-vs-nationwide/management-liability"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-nationwide"
provider-a: "cna"
provider-b: "nationwide"
coverage-line: "management-liability"
---

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-nationwide/management-liability)

## Agent Guide

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

**Key facts:**
- Line: Management Liability Insurance. Providers: CNA and Nationwide.
- 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 Nationwide](https://spot.insure/compare/cna-vs-nationwide) — parent: all coverage lines for this pair
- [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [CNA vs Nationwide Builders Risk Insurance](https://spot.insure/compare/cna-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Business Owner’s Policy](https://spot.insure/compare/cna-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Commercial Property Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Crime Insurance](https://spot.insure/compare/cna-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Cyber Insurance](https://spot.insure/compare/cna-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide D&O Insurance](https://spot.insure/compare/cna-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide General Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Inland Marine Insurance](https://spot.insure/compare/cna-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Management Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Management Liability Insurance](https://spot.insure/compare/aon-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Management Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)

# CNA vs Nationwide: How Do They Compare for Management Liability Insurance?

CNA: CNA directs agents to Agent Center for applications. Nationwide: 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.

## How to Use the CNA vs Nationwide Management Liability Insurance Comparison

Use this comparison to evaluate CNA and Nationwide for Management Liability 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 Nationwide Management Liability Insurance Summary

CNA: CNA directs agents to Agent Center for applications. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. Nationwide: 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. Scope: management liability 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. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## 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)

## 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](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [6](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [7](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is Management Liability Insurance?

Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") [13](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") [14](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0 "Private Company Directors and Officers Liability Coverage Application")

## What Are the Key Differences Between CNA and Nationwide Management Liability Insurance?

### Application and placement

CNA: CNA directs agents to Agent Center for applications. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Nationwide: 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. Scope: management liability 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.. This is a pair-specific comparison of application claims; check both details against the proposed terms. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

### Coverage and package structure: second documented difference

CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Nationwide: The cited product page describes a commercial-liability product suite listing D&O, crime, fiduciary, and EPL rather than one uniform management-liability policy. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. Scope: management liability 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.. This is a pair-specific comparison of coverage claims; check both details against the proposed terms. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## What Should You Confirm in CNA and Nationwide Management Liability Insurance Quotes?

- Ask CNA how the quoted policy applies the documented application detail to your business. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance")
- Ask Nationwide how the quoted policy applies the documented application detail to your business. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide")

## CNA vs Nationwide Management Liability Insurance Compared

| Criteria | CNA Management Liability / Epack 3 | Nationwide management liability (official overview) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Nationwide describes offering management liability for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: management liability 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 discusses exposures for public/private companies, nonprofits and smaller businesses. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Commercial organizations; Nationwide describes research and financial analysis to tailor insurance programs. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: management liability 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 portfolio combines D&O, EPL, fiduciary, fidelity/crime and kidnap/ransom/extortion coverages. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says Epack 3 lets agents design a modular mix for management-liability exposures. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | The cited product page describes a commercial-liability product suite listing D&O, crime, fiduciary, and EPL rather than one uniform management-liability policy. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: management liability 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 | Confirm in your quote. | 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. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | CNA directs agents to Agent Center for applications. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products | Nationwide") (Evidence: Company-reported; scope: management liability 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..) |

## Related Pages for CNA vs Nationwide Management Liability Insurance

- [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment-practices and fiduciary coverage, but each part can insure different people, claims and limits.
- [CNA vs Nationwide Builders Risk Insurance](https://spot.insure/compare/cna-vs-nationwide/builders-risk)
- [CNA vs Nationwide Business Owner’s Policy](https://spot.insure/compare/cna-vs-nationwide/business-owners-policy)
- [CNA vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-nationwide/cargo-transit)
- [CNA vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-auto)
- [CNA vs Nationwide Commercial Property Insurance](https://spot.insure/compare/cna-vs-nationwide/commercial-property)
- [CNA vs Nationwide Crime Insurance](https://spot.insure/compare/cna-vs-nationwide/crime)
- [CNA vs Nationwide Cyber Insurance](https://spot.insure/compare/cna-vs-nationwide/cyber)
- [CNA vs Nationwide D&O Insurance](https://spot.insure/compare/cna-vs-nationwide/directors-officers)
- [CNA vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/employment-practices)
- [CNA vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-nationwide/equipment-breakdown)
- [CNA vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/fiduciary)
- [CNA vs Nationwide General Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/general-liability)
- [CNA vs Nationwide Inland Marine Insurance](https://spot.insure/compare/cna-vs-nationwide/inland-marine)
- [CNA vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-nationwide/professional-errors-omissions)
- [CNA vs Nationwide Surety Bonds](https://spot.insure/compare/cna-vs-nationwide/surety-bonds)
- [CNA vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-nationwide/umbrella-excess)
- [CNA vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-nationwide/workers-compensation)
- [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability)
- [AIG vs Nationwide Management Liability Insurance](https://spot.insure/compare/aig-vs-nationwide/management-liability)
- [Alliance Risk vs CNA Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/management-liability)
- [Alliance Risk vs Nationwide Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/management-liability)
- [Aon vs CNA Management Liability Insurance](https://spot.insure/compare/aon-vs-cna/management-liability)
- [Aon vs Nationwide Management Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/management-liability)

## Sources for CNA vs Nationwide Management Liability 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. [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.

### Sources About Nationwide

5. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). 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.
6. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). 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.
7. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). 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.
8. [Commercial Liability Products | Nationwide](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide; Commercial-liability products; D&O, crime, fiduciary and employment practices liability.. Accessed 2026-09-30.

### Sources for the Management Liability Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
10. [Management Liability Insurance](https://www.thehartford.com/management-liability-insurance). The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
11. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
13. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
14. [Private Company Directors and Officers Liability Coverage Application](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0). Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. 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).

## Nationwide Review Scores for 2026

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

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

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