---
title: "CNA vs Simply Business: Professional Liability (E&O) Insurance"
description: "CNA describes E&O combinations for professional firms and technology businesses, while Simply Business shows an online quote-and-compare route for several small-business professions."
canonical: "https://spot.insure/compare/cna-vs-simply-business/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-simply-business"
provider-a: "cna"
provider-b: "simply-business"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&O) 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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 Cyber Insurance](https://spot.insure/compare/cna-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# CNA vs Simply Business: How Do They Compare for Professional Liability (E&O) Insurance?

CNA describes E&O combinations for professional firms and technology businesses, while Simply Business shows an online quote-and-compare route for several small-business professions.

## Research Scope and Use

Use this comparison to evaluate CNA and Simply Business for Professional Liability (E&O) 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 documents modular E&O and cyber combinations and a technology liability option; Simply Business describes an online E&O marketplace flow for consultants, IT professionals, real-estate agents and bookkeepers. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## 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. [6](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

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

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [9](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Modular programs or a marketplace quote

CNA describes Epack 3 as modular technology and professional liability with cyber and media, and EPS Plus as E&O with cyber for professional-services firms. Simply Business instead describes answering business questions online, comparing quotes and selecting a policy; its listed occupations include consultants and bookkeepers. A buyer deciding between a named CNA program and a comparison process should identify the exact profession and requested combination before comparing terms. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage")

### Professional-class examples and quote eligibility

CNA names non-licensed consultants, staffing firms, advertising agencies and event planners for its miscellaneous professional liability, while Simply Business also lists IT professionals and real-estate agents as examples. Those lists point to different starting audiences, not guaranteed acceptance: Simply Business expressly says examples do not ensure eligibility. Ask each route whether your specific services fit and what policy form a quote would use. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- For the CNA option, is Epack 3, EPS Plus, or miscellaneous professional liability the form quoted for your services? [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions")
- Which Simply Business panel insurer will issue the E&O quote, and what approval is needed before it binds? [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage")

## Offering Details

| Criteria | CNA Professional and Technology Liability | Professional liability (E&O) insurance through Simply Business |
| --- | --- | --- |
| Role in This Line | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") (Evidence: Company-reported; scope: These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording..) | Confirm in your quote. |
| Who It’s For | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The listed classes are a target list, not a complete or guaranteed eligibility rule..) | Simply Business lists consultants, IT professionals, real-estate agents and bookkeepers among the business examples for which it can help find E&O coverage. The examples do not guarantee eligibility. [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Coverage Features | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The page is a summary and does not define covered services, contract exceptions or policy triggers..) | The page describes protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Risk Services | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: This portfolio-level statement does not establish a service outcome or a line-specific claims protocol..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The company describes an online flow to answer business questions, compare quotes and select a policy. Its Terms say an online quote is not guaranteed and binding requires panel-member approval. [8](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published professional-errors-omissions 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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [CNA vs Simply Business Commercial Property Insurance](https://spot.insure/compare/cna-vs-simply-business/commercial-property)
- [CNA vs Simply Business Cyber Insurance](https://spot.insure/compare/cna-vs-simply-business/cyber)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions)
- [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions)
- [Alliance Risk vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/professional-errors-omissions)
- [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions)
- [At-Bay vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-simply-business/professional-errors-omissions)
- [Beazley vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-simply-business/professional-errors-omissions)

## 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](https://www.cna.com/products/cyber). CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30.. Accessed 2026-09-30.
5. [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Simply Business

6. [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.
7. [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.
8. [Professional Liability Insurance Coverage](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/). Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260.. Accessed 2026-09-29.

### Professional Liability (E&O) Insurance Guide

9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
10. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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).

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