CNA vs 
The Hartford: How Do They Compare for Kidnap and Ransom Insurance?
CNA: CNA’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. Scope: Historical target examples are not current underwriting rules or eligibility guarantees. The Hartford: The Hartford says kidnappers and extortionists often target businesses and that this is especially true for companies that operate overseas, implying the coverage is most relevant to businesses with international operations. Scope: Management liability product page as read 2026-09-23. 5,9
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. 6,7,8
What Is Kidnap and Ransom Insurance?
Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. 10,11,12
Key Differences in Kidnap and Ransom Insurance
Buyer scope and eligibility
CNA: CNA’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. Scope: Historical target examples are not current underwriting rules or eligibility guarantees.. The Hartford: The Hartford says kidnappers and extortionists often target businesses and that this is especially true for companies that operate overseas, implying the coverage is most relevant to businesses with international operations. Scope: Management liability product page as read 2026-09-23.. This is a pair-specific comparison of eligibility claims; check both details against the proposed terms. 5 9
Buyer scope and eligibility: second documented difference
CNA: CNA’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. Scope: Historical target examples are not current underwriting rules or eligibility guarantees.. The Hartford: The Hartford says kidnappers and extortionists often target businesses and that this is especially true for companies that operate overseas, implying the coverage is most relevant to businesses with international operations. Scope: Management liability product page as read 2026-09-23.. This is a pair-specific comparison of eligibility claims; check both details against the proposed terms. 5 9
What to Confirm in Kidnap and Ransom Insurance Quotes
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 Kidnap and Ransom Insurance Compared
CNA vs The Hartford: Kidnap and Ransom Insurance: documented features by provider
| Criteria | Kidnap, Ransom and Extortion | The Hartford Kidnap and Ransom/Extortion Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | The Hartford's kidnap and ransom/extortion coverage is one of five options in its Private Choice Premier management-liability package, and is also listed separately within its financial-institutions management and professional liability product track. 9Company-reported. Management liability product page as read 2026-09-23. |
| Who It’s For | CNA’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. 5Company-reported. Historical target examples are not current underwriting rules or eligibility guarantees. | The Hartford says kidnappers and extortionists often target businesses and that this is especially true for companies that operate overseas, implying the coverage is most relevant to businesses with international operations. 9Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | CNA’s current Management Liability page lists Kidnap, Ransom and Extortion; the older CNA brochure describes insured events including kidnapping, extortion, hijack and detention. 4,5Company-reported. The current page confirms catalogue membership; 2012 brochure details are historical marketing and may not match current forms. | The Hartford says this coverage can help pay costs tied to kidnapping, ransom and extortion threats brought against business owners. 9Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Risk Services | The brochure describes access to crisis-response services from red24, including security advice and response support. 5Company-reported. The 2012 source does not establish the current vendor arrangement or services attached to a present-day quote. | Confirm in your quote. |
| How to Apply | CNA’s current Management Liability page tells agents to request applications through the Agent Center. 4Company-reported. This is a general management-liability submission direction; the page does not describe a buyer-direct K&R flow. | Confirm in your quote. |
Related Pages for CNA vs The Hartford Kidnap and Ransom Insurance
Kidnap and Ransom Insurance Pages for CNA and The Hartford
Other Coverage Lines Compared for CNA vs The Hartford
Other Kidnap and Ransom Insurance Provider Comparisons
Sources for CNA vs The Hartford Kidnap and Ransom 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.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
- Kidnap, Ransom and Extortion Coverage From CNA. CNA; Official brochure: named insured persons, event categories, crisis response services, target buyers and worldwide wording; dated KRESS FL 040412 (2012), historical product summary, not evidence all provisions remain current. Retrieved 2026-09-30. Accessed 2026-09-30.
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; Kidnap and Ransom/Extortion section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Kidnap and ransom coverage). Accessed 2026-09-23.
Sources for the Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
