CNA vs 
The Hartford: How Do They Compare for Management Liability Insurance?
CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. The Hartford: The Hartford offers a Premier Excess policy providing streamlined excess liability coverage above its management-liability limits for risks across all industries. Scope: Management liability product page as read 2026-09-23. General description; the issued policy controls. 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 Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 9,10,11,12,13,14
What Are the Key Differences Between CNA and The Hartford Management Liability Insurance?
Coverage and package structure
CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. The Hartford: The Hartford offers a Premier Excess policy providing streamlined excess liability coverage above its management-liability limits for risks across all industries. Scope: Management liability product page as read 2026-09-23. General description; the issued policy controls.. This is a pair-specific comparison of coverage claims; check both details against the proposed terms. 4 8
Application and placement: second documented difference
CNA: CNA directs agents to Agent Center for applications. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. The Hartford: The Hartford says management liability can be added to a Business Owner's Policy quote or purchased by finding a local agent; the page does not offer a self-serve online quote-and-bind flow for this package. Scope: Management liability product page as read 2026-09-23.. This is a pair-specific comparison of application claims; check both details against the proposed terms. 4 8
What Should You Confirm in CNA and The Hartford Management Liability 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 Management Liability Insurance Compared
CNA vs The Hartford: Management Liability Insurance: documented features by provider
| Criteria | CNA Management Liability / Epack 3 | The Hartford Private Choice Premier Management Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | The Hartford's Private Choice Premier is a management-liability package bundling five coverages: directors and officers (D&O), employment practices liability (EPL), fiduciary liability, crime, and kidnap and ransom/extortion. Certain coverages can also be added to a Business Owner's Policy. 8Company-reported. Management liability product page as read 2026-09-23. |
| Who It’s For | CNA discusses exposures for public/private companies, nonprofits and smaller businesses. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The Hartford offers management-liability coverage to nonprofit organizations (social service agencies, associations, museums, foundations), publicly traded companies, and privately-held companies, plus a separate financial-institutions track and a general-partners track for limited partnerships. 8Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | CNA’s portfolio combines D&O, EPL, fiduciary, fidelity/crime and kidnap/ransom/extortion coverages. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says Epack 3 lets agents design a modular mix for management-liability exposures. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The Hartford offers a Premier Excess policy providing streamlined excess liability coverage above its management-liability limits for risks across all industries. 8Company-reported. Management liability product page as read 2026-09-23. General description; the issued policy controls. |
| How to Apply | CNA directs agents to Agent Center for applications. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The Hartford says management liability can be added to a Business Owner's Policy quote or purchased by finding a local agent; the page does not offer a self-serve online quote-and-bind flow for this package. 8Company-reported. Management liability product page as read 2026-09-23. |
Related Pages for CNA vs The Hartford Management Liability Insurance
Management Liability Insurance Pages for CNA and The Hartford
Other Coverage Lines Compared for CNA vs The Hartford
Other Management Liability Insurance Provider Comparisons
Sources for CNA vs The Hartford Management 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.
- Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. 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; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect?; Management Liability Insurance for Nonprofit/Publicly Traded organizations; General Partners Liability Coverage; Excess Coverage for Increased Risks (Premier Excess). Accessed 2026-09-23.
Sources for the Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
