--- title: "CNA vs The Hartford: Kidnap and Ransom Insurance" description: "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. 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." canonical: "https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-the-hartford" provider-a: "cna" provider-b: "the-hartford" coverage-line: "kidnap-ransom" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-the-hartford/kidnap-ransom) ## Agent Guide **What this page is:** Focused comparison of CNA and The Hartford for Kidnap and Ransom 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 Kidnap and Ransom 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 Kidnap and Ransom Insurance: how do they differ? - Which is better for Kidnap and Ransom Insurance, CNA or The Hartford? - What does CNA or The Hartford publish about Kidnap and Ransom Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Kidnap and Ransom Insurance from CNA or The Hartford? **Key facts:** - Line: Kidnap and Ransom 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 2026-10-01. 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 - [Kidnap and Ransom Insurance guide](https://spot.insure/coverage/kidnap-ransom) — 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 D&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/directors-officers) — 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 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 Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [AIG vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Aon vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/kidnap-ransom) — sibling comparison (other line, or other pair for this line) # 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. 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. ## How to Use the CNA vs The Hartford Kidnap and Ransom Insurance Comparison Use this comparison to evaluate CNA and The Hartford for Kidnap and Ransom 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 Kidnap and Ransom Insurance Summary 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](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") [9](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. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [11](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [12](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage") ## What Are the Key Differences Between CNA and The Hartford 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](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ### 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](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## What Should You Confirm in CNA and The Hartford Kidnap and Ransom Insurance Quotes? - Ask CNA how the quoted policy applies the documented eligibility detail to your business. [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") - Ask The Hartford how the quoted policy applies the documented eligibility detail to your business. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## CNA vs The Hartford Kidnap and Ransom Insurance Compared | 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. [9](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’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. [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: 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. [9](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 current Management Liability page lists Kidnap, Ransom and Extortion; the older CNA brochure describes insured events including kidnapping, extortion, hijack and detention. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: 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. [9](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..) | | Risk Services | The brochure describes access to crisis-response services from red24, including security advice and response support. [5](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid= "Kidnap, Ransom and Extortion Coverage From CNA") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: 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 - [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and access to crisis-response experts; check fit with your travel destinations. - [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 D&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/directors-officers) - [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 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 Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom) - [AIG vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-the-hartford/kidnap-ransom) - [Aon vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-cna/kidnap-ransom) - [Aon vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-the-hartford/kidnap-ransom) - [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom) - [The Baldwin Group vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/kidnap-ransom) ## Sources for CNA vs The Hartford Kidnap and Ransom 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. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-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. 5. [Kidnap, Ransom and Extortion Coverage From CNA](https://www.cna.com/sites/default/files/assets/abcfdcbb-6e1d-4ddc-86b2-510317192f83/KRESSKidnapRansomExtortion_CNA.pdf?fid=). 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 6. [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. 7. [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. 8. [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. 9. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). 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 10. [Kidnap and Ransom Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom). Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16. 11. [The Chubb Primary Kidnap Ransom and Extortion Insurance](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html). Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16. 12. [Kidnap and Ransom Coverage](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5). Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16. Updated 2026-10-01. 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/kidnap-ransom.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)