CNA vs Pie Insurance

CNA directs small-business buyers to agents, while Pie Insurance’s published materials document its application route. Compare how each handles your submission and policy support, then confirm the actual insurer, terms, and service contact in writing. 3,37

Introduction

Coverage Comparison

CoverageCNAPie Insurance
Builders riskListed 31Inland Marine appetite category; separately, Ocean Marine lists Hull Builders RiskNot listed
Business owner’s policyListed 9Listed 42Pie accepts business owner’s policy quote requests.
Cargo and transitListed 10Not listed
Commercial autoListed 11Not listed
Commercial propertyListed 12Not listed
CrimeListed 30named Management Liability coverage and configurable Epack 3 componentNot listed
Cyber liabilityListed 13Listed 43Pie provides access to cyber insurance quotes from carrier partners.
Directors and officersListed 14Not listed
Employment practices liabilityListed 15Not listed
Equipment breakdownListed 16Not listed
Fidelity bondsListed 17Not listed
Fiduciary liabilityListed 18Not listed
General liabilityListed 19Listed 45Pie arranges general liability insurance through unaffiliated third-party insurers.
Hired and non-owned autoListed 29coverage within Commercial AutoNot listed
Kidnap and ransomListed 30named Management Liability coverage and configurable Epack 3 componentNot listed
Management liabilityListed 21Not listed
Media liabilityListed 28component of Epack 3 packageNot listed
Medical malpracticeListed 22Not listed
Product liabilityListed 23,25,24Not listed
Professional errors and omissions (E&O)Listed 28currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability componentListed 44Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Surety bondsListed 17Not listed
Technology errors and omissions (E&O)Listed 13Not listed
Tools, equipment and inland marineListed 20Not listed
Umbrella and excess liabilityListed 26Not listed
Workers’ compensationListed 27Listed 38Pie Insurance offers workers’ compensation insurance for small businesses.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Pie Insurance

Hybrid provider

Broker

5.3/ 10

Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.

Carrier & MGA

6.3/ 10

Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.

Provider assessment

Review Scores

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

9.0/ 10

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 reviews

Pie Insurance

1.7/ 10

Review Score

2 rated sources

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]

Read Pie Insurance reviews

Key Differences Between CNA and Pie Insurance

Business Roles and Access

CNA’s documented small-business access begins with an agent. Pie Insurance describes its role as follows; ask which entity will advise, place, service, and issue the policy you are considering.

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. 3,4Company-reported. CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Pie Insurance’s record describes a separate role and route. Compare the actual parties named in each proposal; a brand or platform name alone does not establish who advises, places, services, or underwrites a policy.

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. 37,40,38,42,43,44,45Company-reported. Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

Applications and Buying Process

CNA’s published small-business route is agent-directed. Pie Insurance documents the following application approach, which may be a better fit when it matches how you want to submit business information and work through options.

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. 3,4Company-reported. CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 37,36,38Company-reported. Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

Coverage and Policy Service

The comparison table shows the current listed coverage categories for both providers. Matching labels are only a starting point: ask for each proposed policy form, endorsements, limits, deductibles or retentions, and exclusions. CNA describes this service route for its stated scope; Pie Insurance’s record describes its own service model.

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. 3,5Company-reported. Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. 50,51Company-reported. Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Claims Reporting

Before selecting either route, identify the issuer and the exact instructions that apply to each policy. CNA’s source describes its reporting entry point and stated limits; Pie Insurance’s fact records the available claims information within its documented scope. These descriptions do not establish claim outcomes.

CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. 7Company-reported. CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.

Report workplace injuries to Pie within 24 hours through its form, phone or email; Pie says a claims professional follows up and assesses coverage and benefits. 55Company-reported. Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.

What to Confirm in Quotes

Ask CNA and Pie Insurance to identify the producer or advisor, issuing insurer, and policy-specific service contact for every proposed line. Request the same limits, deductibles or retentions, retroactive dates where applicable, endorsements, exclusions, fees, and effective dates so you can compare the actual terms. Confirm who handles routine changes and renewal questions, and get the claims reporting instructions with the policy documents. CNA’s small-business route starts with an agent; ask Pie Insurance who will guide your submission and what support continues after binding.

Compare Services

What each provider documents about the services you may need

CriteriaCNAPie Insurance
Application process

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. 3,4Company-reported. CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 37,36,38Company-reported. Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. 41,38Company-reported. Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. 38,36Company-reported. Workers’ compensation quote marketing; no timed independent quote test was performed.

Servicing and renewals

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. 3,5Company-reported. Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.

A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. 6Company-reported. Company-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. 50,51Company-reported. Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Budget for a workers’ comp premium audit: Pie replaces estimated payroll with actual figures and may request payroll, employee, expense and subcontractor records, which can change your final premium. 54Company-reported. Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.

Pie’s consumer FAQ describes a workers’ compensation renewal quote about 30 days before expiry for review and acceptance. Its agency FAQ says previews for policies under $20,000 go to the insured with the agency copied, while previews for policies over $20,000 go to the producer; unless otherwise notified, the deposit is drafted and the renewal issued five days before its effective date. The FAQ does not specify the exact-$20,000 case. Ask which notice and payment process applies to your account. 51,56Company-reported. Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Claims assistance

CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. 7Company-reported. CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.

Report workplace injuries to Pie within 24 hours through its form, phone or email; Pie says a claims professional follows up and assesses coverage and benefits. 55Company-reported. Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.

Ask who handles your state’s workers’ comp claim: Pie says it manages claims in 34 states and CorVel in five, a split not reconciled with its separate 40-state-plus-DC availability. 56,46,57Conflicting sources. Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.

Sources

CNA Official Website

  1. CNA Financial Corporation 2025 Form 10-K. U.S. Securities and Exchange Commission; CNA Financial Corporation filer; 2025 Form 10-K, Part I, Item 1 “Business,” opening paragraph (company status, CNA group definition, operating-company list); Note A “Basis of Presentation”; Item 1 ownership statement; exact filing text from SEC indexing and the alternate SEC-hosted annual-report PDF, accessed 2026-09-28. Accessed 2026-09-28.
  2. 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.
  3. 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.
  4. United States. CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
  5. Small Business | CNA Central Agent Guide. CNA; CNA Central Agent Guide, pages 1-2; access credential note and agent portal context, page 1 lines 3-8; Get a Quote, lines 12-22; Service My Accounts, lines 39-66; copyright/trademark footer, page 2 lines 68-71 (Copyright © 2022). Accessed 2026-09-28.
  6. Small Business Service Center. CNA; One-page Small Business Service Center handout, lines 0-27 (service functions, weekday hours, continuing agency relationship, enrollment/account selection); lines 40-43 (legal/distribution limitations, trademark, copyright © 2021). Accessed 2026-09-28.
  7. Report an Insurance Claim. CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
  8. United States | CNA Insurance. CNA; Official U.S. Locations page title, observed on page open; page body begins at lines 21-35. Accessed 2026-09-28.
  9. CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
  10. Ocean Cargo | CNA. CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
  11. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
  12. Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
  13. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
  14. Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
  15. Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
  16. Equipment Breakdown Insurance | CNA Insurance. CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
  17. CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
  18. Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
  19. Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
  20. Inland & Ocean Marine Insurance | CNA Insurance. CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
  21. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
  22. Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.
  23. Life Sciences Insurance | CNA. CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
  24. Small Business Life Sciences Insurance | CNA. CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
  25. Life Sciences Coverage Highlights FAQ | CNA. CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
  26. Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
  27. Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
  28. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 48-52 Epack 3 modular policy combines cyber, media, technology and professional liability; lines 64-84 MPL and media; line 128 CNA brand disclosure and ©2026. Accessed 2026-09-29.
  29. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 28-30 and coverages lines 31-34; commercial auto covers business-use owned, hired and non-owned vehicles; ©2026 at line 61. Accessed 2026-09-29.
  30. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 33-44 name crime and kidnap/ransom/extortion; lines 49-54 describe modular Epack 3 and flexible coverage mix; ©2026 at line 80. Accessed 2026-09-29.
  31. Inland & Ocean Marine Insurance | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 29-35 describe Inland Marine and Builders Risk appetite; lines 46-54 separately list Ocean Marine and Hull Builders Risk; ©2026 at line 84. Accessed 2026-09-29.
  32. Small Business Insurance Solutions for Life Sciences | CNA Insurance. CNA; U.S. page, opened 2026-09-29: page issue marker 06.17.2025 at line 75; line 63-65 describes monoline product liability with E&O and automatic Class 1 recall mitigation-expense benefit; line 74 says issuer, availability and policy-terms qualifications; ©2026 line 101. Accessed 2026-09-29.
  33. Life Sciences Coverage FAQs. CNA; PDF opened 2026-09-29: p.1 lines 10-18 Class 1 recall supplementary benefit and sublimit; p.1 lines 31-34 circumstance-reporting exception; p.2 lines 104-109 says illustrative, policy controls, availability varies and copyright ©2023 / 20230314. Historical detailed qualification, not a current form. Accessed 2026-09-29.
  34. Manufacturer Insurance: Best Companies, Costs and Coverages. NerdWallet; Published 2026-03-26; CNA section, lines 348-359: manufacturer-specific editorial assessment says relatively low property/liability complaints and workers-comp complaints slightly higher than expected for company size; no full CNA review. Re-read 2026-09-29. Accessed 2026-09-29.
  35. CNA Insurance Reviews. Trustpilot; CNA.com profile, lines 40-72 and current review entries including business billing complaint (lines 59-63) and long-term-care reports (lines 66-70); profile says reviews are individual opinions at line 177. Self-selected mixed review population, not a representative commercial-insurance outcome. Re-read 2026-09-29. Accessed 2026-09-29.

Pie Insurance Official Website

  1. Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
  2. About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
  3. Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
  4. Terms Of Use. Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
  5. Pie Insurance — Quote. Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
  6. Business Owner’s Policy. Pie Insurance; BOP definition; typical components; Make sure you’re covered: Start your BOP quote; footer third-party insurer qualification. Accessed 2026-09-16.
  7. Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
  8. Errors And Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
  9. General Liability Insurance. Pie Insurance; Typical covered categories; Make sure you are covered: carrier-partner quote invitation; legal footer: third-party insurers not affiliated with Pie. Accessed 2026-09-16.
  10. Workers’ Comp Coverage By State. Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C. Accessed 2026-09-15.
  11. Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
  12. Pie Insurance Reports Strong 2025. Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
  13. Commercial Auto Claim FAQs. Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
  14. Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
  15. Workers’ Comp FAQs. Pie Insurance; Certificates; specific and blanket waiver requests, two-business-day response and state-dependent charge; Billing & Payments; Policy Renewal / When will I know it’s time to renew my policy? (approximately 30 days before expiry, quote for review and acceptance); Annual Audit; Claims. Accessed 2026-09-29.
  16. Payment Options. Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
  17. Pay-As-You-Go With Pie Insurance. Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
  18. Your Workers’ Comp Premium Audit. Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
  19. File Your Claim Within 24 Hours. Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
  20. Partner FAQ. Pie Insurance; How does Pie handle claims? (workers’ compensation in 34 states; CorVel in Alaska, Mississippi, Nevada, New Mexico and Oregon); How does Pie pay commissions? (new and renewing policies, earned premium); How does Pie handle renewals? (30-day preview: under $20,000 to insured with agency copied, over $20,000 to producer; unless otherwise notified, deposit draft and renewal issuance five days before effective date; exact $20,000 case unstated); Renewal Billing. Accessed 2026-09-29.
  21. AM Best Rating Disclosure Report — Pie Casualty Insurance Company. AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C. Accessed 2026-09-15.
  22. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
  23. Pie Casualty Insurance Company — Entity Details. Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
  24. Administrative Actions — January 2024. Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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