---
title: "CNA vs The Hartford: Professional Liability (E&O) Insurance"
description: "CNA identifies technology E&O and modular E&O combinations; The Hartford details a broader set of professional-liability allegations and policy triggers."
canonical: "https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cna-vs-the-hartford"
provider-a: "cna"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions)

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 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 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)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# CNA vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

CNA identifies technology E&O and modular E&O combinations; The Hartford details a broader set of professional-liability allegations and policy triggers.

## Research Scope and Use

Use this comparison to evaluate CNA and The Hartford for Professional Liability (E&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.

## Summary

CNA describes modular E&O combinations and dedicated risk-control support, while The Hartford lists negligence, advice, libel and copyright allegations and explains claims-made and occurrence forms. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

## 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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Program structure for technology and professional firms

CNA describes Epack 3 combining technology and professional liability with cyber and media, while EPS Plus combines E&O and cyber for professional-services firms. The Hartford describes professional liability around mistakes in client services, including baseless allegations. For a buyer seeking E&O alongside other lines, CNA names modular structures; The Hartford’s reviewed material instead explains the kinds of allegations its professional liability can address. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

### Allegations and policy timing

The Hartford lists negligence, misrepresentation, inaccurate advice, libel or slander, copyright infringement and defense costs, and says many forms are claims-made while some are occurrence policies. CNA identifies dedicated claims and risk-control support but its reviewed claims do not specify those triggers or allegation categories. Ask each carrier to map your service-specific exposures to the actual wording, then compare retroactive dates and any extended reporting period rather than assuming the product descriptions settle them. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Which CNA form and insuring agreements address your client contracts and professional services? [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions")
- Is the Hartford quote claims-made or occurrence, and what retroactive date and tail period are available? [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

## Offering Details

| Criteria | CNA Professional and Technology Liability | The Hartford Professional Liability Insurance (Errors & Omissions) |
| --- | --- | --- |
| Role in This Line | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") [5](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES "Epack 3 – Cyber, Media, Technology & Professional Liability") (Evidence: Company-reported; scope: These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording..) | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Who It’s For | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The listed classes are a target list, not a complete or guaranteed eligibility rule..) | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Coverage Features | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: The page is a summary and does not define covered services, contract exceptions or policy triggers..) | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls..) |
| Limits and Retentions | Confirm in your quote. | The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [9](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..) |
| Risk Services | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions") (Evidence: Company-reported; scope: This portfolio-level statement does not establish a service outcome or a line-specific claims protocol..) | Confirm in your quote. |

## Full Comparison

- [CNA vs The Hartford](https://spot.insure/compare/cna-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [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 Cyber Insurance](https://spot.insure/compare/cna-vs-the-hartford/cyber)
- [CNA vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cna-vs-the-hartford/technology-errors-omissions)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions)
- [AIG vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-the-hartford/professional-errors-omissions)
- [Alliance Risk vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions)
- [Aon vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cna/professional-errors-omissions)
- [At-Bay vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions)

## Sources

### 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. [Cyber Insurance - Cyber Risk Solutions](https://www.cna.com/products/cyber). CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30.. Accessed 2026-09-30.
5. [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES). CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30.. Accessed 2026-09-30.

### 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. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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 Reviews

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 Reviews

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).

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