CNA vs 
The Hartford: How Do They Compare for Fiduciary Liability Insurance?
CNA describes fiduciary liability for employee benefit and retirement plan administration and management, with costs such as defense expenses, certain legal penalties, voluntary compliance, and pre-claim investigation. The Hartford places fiduciary as one of five options in its Private Choice Premier management-liability package and also includes a separate line in financial-institutions management and professional liability products. Buyers should identify whether they want a standalone line or coordinated management-liability package and review how each quote presents the plan coverage. 4,8
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. 1,2,3
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. 5,6,7
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 9,10,11
What Are the Key Differences Between CNA and The Hartford Fiduciary Liability Insurance?
Standalone Coverage and Package Placement
CNA describes fiduciary liability for employee benefit and retirement plan administration and management, with costs such as defense expenses, certain legal penalties, voluntary compliance, and pre-claim investigation. 4 The Hartford places fiduciary as one of five options in its Private Choice Premier management-liability package and also includes a separate line in financial-institutions management and professional liability products. 8 Buyers should identify whether they want a standalone line or coordinated management-liability package and review how each quote presents the plan coverage. 8
Organization Scope and Plan Examples
CNA says it writes for public, private, and nonprofit organizations. 4 The Hartford also names nonprofit, public, and private companies, and illustrates fiduciary mismanagement with an employee whose medical bills were not paid under an employer benefit plan. 8 The shared audience means buyers can compare actual plan definitions and claim expenses rather than relying on broad organization labels. 8
Coverage in a Benefit-Plan Dispute
The Hartford uses an unpaid employee medical-bill claim as an example of fiduciary mismanagement, while CNA frames its product around administration of employee benefit and retirement plans. 8 4 Buyers facing benefit administration exposures should compare how each wording defines covered plans, fiduciaries, and claims. 4
What Should You Confirm in CNA and The Hartford Fiduciary Liability Insurance Quotes?
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Ask The Hartford whether the proposed fiduciary coverage is part of Private Choice Premier or a financial-institutions product. 8
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Ask CNA to identify which listed penalties, compliance costs, and investigation expenses apply under the quote. 4
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For a medical-benefit administration dispute, request each insurer’s relevant plan and claim wording. 8 4
CNA and The Hartford Review Scores for 2026
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 Review Score
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 reviewsThe Hartford Review Score
Review Score
5 rated sources
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.[1][2][4][5][6][7]
Read The Hartford reviewsCNA vs The Hartford Fiduciary Liability Insurance Compared
CNA vs The Hartford: Fiduciary Liability Insurance: documented features by provider
| Criteria | CNA Epack 3 Fiduciary Liability | The Hartford Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. 8Company-reported. Management liability product page as read 2026-09-23. |
| Who It’s For | CNA states its fiduciary offering is written for public, private and nonprofit organizations. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Subject to underwriting and policy terms. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 8Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | CNA states its Fiduciary Liability addresses exposure from administration and management of employee benefit and retirement plans. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: This is fiduciary liability, not an ERISA fidelity bond or employee-benefits liability. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. 8Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Claims Support | CNA says fiduciary insureds have access to a claims team and expert guidance. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | Confirm in your quote. |
Related Pages for CNA vs The Hartford Fiduciary Liability Insurance
Fiduciary Liability Insurance Pages for CNA and The Hartford
Other Coverage Lines Compared for CNA vs The Hartford
Other Fiduciary Liability Insurance Provider Comparisons
Sources for CNA vs The Hartford Fiduciary Liability Insurance
Sources About CNA
- 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.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- 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.
- Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
Sources About The Hartford
- 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.
- SaaS Insurance for Your Business. 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.
- Find a Local Insurance 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.
- Management Liability Insurance | Get a Quote. The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.
Sources for the Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
