---
title: "CNA vs The Hartford: D&O Insurance"
description: "The Hartford includes D&O in Private Choice Premier or as a BOP addition; CNA’s Epack 3 D&O is designed for private companies including small businesses."
canonical: "https://spot.insure/compare/cna-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-the-hartford"
provider-a: "cna"
provider-b: "the-hartford"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-the-hartford/directors-officers)

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: CNA and The Hartford.
- 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 The Hartford](https://spot.insure/compare/cna-vs-the-hartford) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [CNA vs The Hartford Business Owner’s Policy](https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Crime Insurance](https://spot.insure/compare/cna-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford General Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Inland Marine Insurance](https://spot.insure/compare/cna-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Management Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)

# CNA vs The Hartford: How Do They Compare for D&O Insurance?

The Hartford includes D&O in Private Choice Premier or as a BOP addition; CNA’s Epack 3 D&O is designed for private companies including small businesses.

## How to Use the CNA vs The Hartford D&O Insurance Comparison

Use this comparison to evaluate CNA and The Hartford for D&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.

## CNA vs The Hartford D&O Insurance Summary

The Hartford includes D&O in Private Choice Premier or as a BOP addition; CNA’s Epack 3 D&O is designed for private companies including small businesses. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between CNA and The Hartford D&O Insurance?

### Package placement and buyer type

The Hartford offers D&O as one of five Private Choice Premier options and says it can also be added to a Business Owner’s Policy. CNA names Epack 3 as a private-company D&O product. Ask whether the Hartford option shares limits with other package lines and compare CNA’s separate or shared limit choices. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### How the Difference Affects Your Placement

The Hartford describes claims from employees, vendors, competitors, investors and customers, while CNA identifies company and individual coverage across Side A, B and C. Compare the actual definition of wrongful act and covered claimants, particularly for employee or customer allegations. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Should You Confirm in CNA and The Hartford D&O Insurance Quotes?

- Does The Hartford quote D&O in Private Choice Premier or as a BOP addition, and how are limits shared? [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- What claim definitions and exclusions apply to CNA’s Side A, B and C coverage? [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA")

## CNA vs The Hartford D&O Insurance Compared

| Criteria | CNA Epack 3 Private Company D&O | The Hartford Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | The Hartford's D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner's Policy. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| Who It’s For | CNA states this D&O product is designed for private companies, including small private companies. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | The Hartford's management-liability coverages, including D&O, are offered to nonprofit organizations, publicly traded companies and privately-held companies, with a separate management and professional liability track for financial institutions (adviser D&O, private fund liability, registered fund liability, among others). [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| Coverage Features | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | The Hartford says D&O helps protect directors and officers from mistakes or wrongful acts in managing the company, covering legal fees for claims from employees, vendors, competitors, investors or customers; its example is an employee suing for wrongful termination. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Confirm in your quote. |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. [4](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Private Company Directors & Officers Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form..) | Confirm in your quote. |

## Related Pages for CNA vs The Hartford D&O Insurance

- [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CNA vs The Hartford Business Owner’s Policy](https://spot.insure/compare/cna-vs-the-hartford/business-owners-policy)
- [CNA vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-auto)
- [CNA vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cna-vs-the-hartford/commercial-property)
- [CNA vs The Hartford Crime Insurance](https://spot.insure/compare/cna-vs-the-hartford/crime)
- [CNA vs The Hartford Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber)
- [CNA vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/employment-practices)
- [CNA vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/fiduciary)
- [CNA vs The Hartford General Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/general-liability)
- [CNA vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/cna-vs-the-hartford/hired-non-owned-auto)
- [CNA vs The Hartford Inland Marine Insurance](https://spot.insure/compare/cna-vs-the-hartford/inland-marine)
- [CNA vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom)
- [CNA vs The Hartford Management Liability Insurance](https://spot.insure/compare/cna-vs-the-hartford/management-liability)
- [CNA vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions)
- [CNA vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-the-hartford/workers-compensation)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers)
- [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers)
- [Alliance Risk vs CNA D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/directors-officers)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs CNA D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cna/directors-officers)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)

## Sources for CNA vs The Hartford D&O 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. [Private Company Directors & Officers Liability | CNA](https://www.cna.com/sites/default/files/assets/097cd07b-3b87-4f3e-94f5-f6ecddf84d7b/cna-rc-epack3-private-company-directors-officers-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.

### Sources About The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Directors and Officers Insurance (D&O) section; Who Does Management Liability Insurance Protect?; Management Liability Insurance for Nonprofit/Publicly Traded/Financial Institutions organizations. Accessed 2026-09-23.

### Sources for the D&O Insurance Guide

9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
10. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
11. [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.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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 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).

## The Hartford Review Scores for 2026

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-the-hartford/directors-officers.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)