---
title: "CNA vs Simply Business: Cyber Insurance"
description: "CNA describes cyber within Epack 3 and EPS Plus, while Simply Business offers it as an add-on for select buyers of another business policy."
canonical: "https://spot.insure/compare/cna-vs-simply-business/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-simply-business"
provider-a: "cna"
provider-b: "simply-business"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-simply-business/cyber)

## Agent Guide

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

**Key facts:**
- Line: Cyber Insurance. Providers: CNA and Simply Business.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Simply Business](https://spot.insure/compare/cna-vs-simply-business) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [CNA vs Simply Business Commercial Property Insurance](https://spot.insure/compare/cna-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Cyber Insurance](https://spot.insure/compare/aon-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Simply Business Cyber Insurance](https://spot.insure/compare/aon-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Cyber Insurance](https://spot.insure/compare/baldwin-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Simply Business Cyber Insurance](https://spot.insure/compare/baldwin-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)

# CNA vs Simply Business: How Do They Compare for Cyber Insurance?

CNA describes cyber within Epack 3 and EPS Plus, while Simply Business offers it as an add-on for select buyers of another business policy.

## Research Scope and Use

Use this comparison to evaluate CNA and Simply Business for Cyber 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.

## Summary

CNA names Epack 3 and EPS Plus for different business groups; Simply Business makes cyber an add-on for select customers buying another business policy. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## 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)

## Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [5](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### Product route matters

CNA places cyber in Epack 3 for small and midsize businesses and EPS Plus for professional-services firms. Simply Business makes cyber available as an add-on to selected customers purchasing general liability, professional liability or workers’ compensation. If you already hold another policy, ask Simply Business whether your business qualifies for the cyber add-on; if you want cyber in a modular package, ask CNA which Epack 3 options are available.

[4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Response support and covered costs

CNA identifies breach coaches, forensic firms and notification vendors for incident response. Simply Business describes cyber risks involving security events and privacy regulations, but says the policy determines covered costs, limits and exclusions. Buyers should compare who coordinates a response with what costs the specific quote pays.

[4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Does your Simply Business account and state qualify for the cyber add-on?
- Which response vendors can CNA policyholders use, and what notification or forensic costs does each quote cover?

## Offering Details

| Criteria | CNA Cyber Insurance | Cyber liability coverage as an add-on through Simply Business |
| --- | --- | --- |
| Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Coverage Features | Confirm in your quote. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |

## Full Comparison

- [CNA vs Simply Business](https://spot.insure/compare/cna-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [CNA vs Simply Business Commercial Property Insurance](https://spot.insure/compare/cna-vs-simply-business/commercial-property)
- [CNA vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-simply-business/professional-errors-omissions)
- [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [Aon vs CNA Cyber Insurance](https://spot.insure/compare/aon-vs-cna/cyber)
- [Aon vs Simply Business Cyber Insurance](https://spot.insure/compare/aon-vs-simply-business/cyber)
- [The Baldwin Group vs CNA Cyber Insurance](https://spot.insure/compare/baldwin-vs-cna/cyber)
- [The Baldwin Group vs Simply Business Cyber Insurance](https://spot.insure/compare/baldwin-vs-simply-business/cyber)

## Sources

### 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. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.

### Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29.
7. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395.. Accessed 2026-09-29.

### Cyber Insurance Guide

8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

Updated 2026-09-30. 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 Reviews

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).

## Simply Business Reviews

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-simply-business/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)