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CNA vs Travelers

CNA directs U.S. small-business buyers to an agent and documents agent-facing service channels. Travelers also directs business buyers to independent agents, and says its Select Accounts platform lets agents quote, bind and issue many small-business risks. Travelers' claim-reporting routes are described around the clock; CNA's Claims Center lists a weekday phone route. These are process descriptions, not outcome measures. 3,64,51

Introduction

Both companies publish agent routes for business insurance, so compare the specific agent, product and account segment rather than assuming a consumer checkout. Travelers says independent agents use an automated underwriting platform to quote, bind and issue many Select Accounts small-business risks, while more complex risks are underwritten with company personnel. CNA directs small-business buyers to an agent; the reviewed CNA route fact does not describe a matching automated underwriting workflow. That difference in public detail does not prove CNA lacks such a workflow. 64 41 3

Coverage Comparison

CoverageCNATravelers
Builders riskListed 31Inland Marine appetite category; separately, Ocean Marine lists Hull Builders RiskNot listed
Business owner’s policyListed 9Listed 37Travelers offers business owner’s policies for small technology-services businesses.
Cargo and transitListed 10Listed 48Travelers offers cargo insurance through its transportation, cargo and logistics offering.
Commercial autoListed 11Listed 36Travelers offers commercial auto insurance.
Commercial propertyListed 12Listed 36Travelers offers commercial property insurance.
CrimeListed 30named Management Liability coverage and configurable Epack 3 componentListed 47Travelers offers commercial crime insurance.
Cyber liabilityListed 13Listed 38Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
Directors and officersListed 14Listed 44Travelers offers directors and officers liability insurance.
Employment practices liabilityListed 15Listed 46Travelers offers employment practices liability insurance.
Equipment breakdownListed 16Listed 50Travelers offers equipment breakdown insurance.
Fidelity bondsListed 17Listed 49,43Travelers offers ERISA fidelity bonds.
Fiduciary liabilityListed 18Listed 45Travelers offers fiduciary liability insurance.
General liabilityListed 19Listed 36Travelers offers general liability insurance.
Hired and non-owned autoListed 29coverage within Commercial AutoNot listed
Kidnap and ransomListed 30named Management Liability coverage and configurable Epack 3 componentListed 43,54Travelers offers kidnap and ransom insurance.
Management liabilityListed 21Listed 43Travelers offers management liability insurance.
Media liabilityListed 28component of Epack 3 packageListed 38Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies.
Medical malpracticeListed 22Not listed
Product liabilityListed 23,25,24Not listed
Professional errors and omissions (E&O)Listed 28currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability componentListed 62Travelers offers professional errors and omissions insurance.
Surety bondsListed 17Listed 49Travelers offers surety bonds.
Technology errors and omissions (E&O)Listed 13Listed 36,38Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.
Tools, equipment and inland marineListed 20Listed 48Travelers offers inland marine insurance.
Umbrella and excess liabilityListed 26Listed 36,61Travelers offers commercial umbrella and excess liability insurance.
Workers’ compensationListed 27Listed 36,60Travelers offers workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Travelers

Carrier

Carrier & MGA

6.1/ 10

Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.

Provider assessment

Review Scores

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

9.0/ 10

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 reviews

Travelers

4.8/ 10

Review Score

3 rated sources

Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]

Read Travelers reviews

Servicing by Account Type

Travelers lists online bill payment, claim reporting and tracking, policy documents and real-time certificates in MyTravelers for Business. The certificate listing has no segment footnote. Footnote 1 limits display of limits, deductibles and policy changes to Select Accounts and National Programs Commercial Multi-Peril customers; footnote 2 limits adding additional interests while creating a certificate to those segments' Service Center customers. CNA's current small-business page describes agent access to policy documents, loss runs and claims information. More detailed CNA billing and renewal-document functions come from a guide copyrighted 2022, so confirm which parts remain available for the account you are quoting. 53 41 3 5

Claim Reporting Is Not Claim Payment

Travelers says business losses can be reported at any time through an agent, online system, MyTravelers for Business or a telephone number. It also describes a Technology claim unit. CNA's Claims Center provides an online entry point for reporting options and weekday phone help. Travelers' broader stated intake access does not predict claim resolution, and CNA's page does not establish full online filing. Read the policy for the actual insurer's notice rules and deadlines. 51 53 7

What to Confirm in Quotes

  • Does the Travelers risk fit Select Accounts, or will it go to a specialty underwriter? Which agent will place the CNA policy and service it?
  • Which portal features, including certificates and claim status, apply to the exact account segment and insurer?
  • Confirm the named insurer and the correct claim notice route, deadline and supporting-document requirements for each policy.
  • Ask for side-by-side forms, limits, exclusions, endorsements, fees and effective dates. Shared agent distribution does not make the policies interchangeable.

Compare Services

What each provider documents about the services you may need

CriteriaCNATravelers
Application process

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. 3,4Company-reported. CNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. 41,58,36,38,64,57Company-reported. Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.

Servicing and renewals

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. 3,5Company-reported. Small-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.

A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. 6Company-reported. Company-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.

MyTravelers for Business lists online bill payment, claim reporting and tracking, policy documents and certificates. The page lists real-time certificates without a segment footnote. Footnote 1 qualifies display of limits, deductibles and policy changes for Select Accounts and National Programs Commercial Multi-Peril customers. Footnote 2 limits adding additional interests while creating a certificate to Select Accounts and National Programs Commercial Multi-Peril Service Center customers. 53,41Company-reported. Portal and contact descriptions as of 16 September 2026. Feature availability can differ by account segment; this is not a service-quality finding.

Claims assistance

CNA’s Claims Center provides an online entry point where a visitor enters a few details to learn claim-reporting options and lists phone help Monday through Friday, 8 a.m.–8 p.m. Eastern. The page does not establish complete online filing or claim outcomes. 7Company-reported. CNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.

Travelers says business-insurance losses can be reported 24 hours a day, 365 days a year by contacting the agent, using the online claim system or MyTravelers for Business, or calling 800-238-6225. It describes a dedicated Technology claim unit staffed since 1998 with claim attorneys and insurance professionals. Those statements describe access paths and an internal unit; they do not establish claim outcomes or coverage decisions. 51,52,41Company-reported. Business claims and technology-claim sections accessed 16 September 2026. Reporting a claim is not the same as coverage being granted.

Sources

CNA Official Website

  1. CNA Financial Corporation 2025 Form 10-K. U.S. Securities and Exchange Commission; CNA Financial Corporation filer; 2025 Form 10-K, Part I, Item 1 “Business,” opening paragraph (company status, CNA group definition, operating-company list); Note A “Basis of Presentation”; Item 1 ownership statement; exact filing text from SEC indexing and the alternate SEC-hosted annual-report PDF, accessed 2026-09-28. Accessed 2026-09-28.
  2. 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.
  3. 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.
  4. United States. CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
  5. Small Business | CNA Central Agent Guide. CNA; CNA Central Agent Guide, pages 1-2; access credential note and agent portal context, page 1 lines 3-8; Get a Quote, lines 12-22; Service My Accounts, lines 39-66; copyright/trademark footer, page 2 lines 68-71 (Copyright © 2022). Accessed 2026-09-28.
  6. Small Business Service Center. CNA; One-page Small Business Service Center handout, lines 0-27 (service functions, weekday hours, continuing agency relationship, enrollment/account selection); lines 40-43 (legal/distribution limitations, trademark, copyright © 2021). Accessed 2026-09-28.
  7. Report an Insurance Claim. CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
  8. United States | CNA Insurance. CNA; Official U.S. Locations page title, observed on page open; page body begins at lines 21-35. Accessed 2026-09-28.
  9. CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
  10. Ocean Cargo | CNA. CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
  11. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
  12. Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
  13. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
  14. Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
  15. Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
  16. Equipment Breakdown Insurance | CNA Insurance. CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
  17. CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
  18. Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
  19. Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
  20. Inland & Ocean Marine Insurance | CNA Insurance. CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
  21. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
  22. Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.
  23. Life Sciences Insurance | CNA. CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
  24. Small Business Life Sciences Insurance | CNA. CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
  25. Life Sciences Coverage Highlights FAQ | CNA. CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
  26. Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
  27. Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
  28. Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 48-52 Epack 3 modular policy combines cyber, media, technology and professional liability; lines 64-84 MPL and media; line 128 CNA brand disclosure and ©2026. Accessed 2026-09-29.
  29. Commercial Auto Insurance for Businesses | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 28-30 and coverages lines 31-34; commercial auto covers business-use owned, hired and non-owned vehicles; ©2026 at line 61. Accessed 2026-09-29.
  30. Management Liability Insurance and Professional Liability | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 33-44 name crime and kidnap/ransom/extortion; lines 49-54 describe modular Epack 3 and flexible coverage mix; ©2026 at line 80. Accessed 2026-09-29.
  31. Inland & Ocean Marine Insurance | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 29-35 describe Inland Marine and Builders Risk appetite; lines 46-54 separately list Ocean Marine and Hull Builders Risk; ©2026 at line 84. Accessed 2026-09-29.
  32. Small Business Insurance Solutions for Life Sciences | CNA Insurance. CNA; U.S. page, opened 2026-09-29: page issue marker 06.17.2025 at line 75; line 63-65 describes monoline product liability with E&O and automatic Class 1 recall mitigation-expense benefit; line 74 says issuer, availability and policy-terms qualifications; ©2026 line 101. Accessed 2026-09-29.
  33. Life Sciences Coverage FAQs. CNA; PDF opened 2026-09-29: p.1 lines 10-18 Class 1 recall supplementary benefit and sublimit; p.1 lines 31-34 circumstance-reporting exception; p.2 lines 104-109 says illustrative, policy controls, availability varies and copyright ©2023 / 20230314. Historical detailed qualification, not a current form. Accessed 2026-09-29.
  34. Manufacturer Insurance: Best Companies, Costs and Coverages. NerdWallet; Published 2026-03-26; CNA section, lines 348-359: manufacturer-specific editorial assessment says relatively low property/liability complaints and workers-comp complaints slightly higher than expected for company size; no full CNA review. Re-read 2026-09-29. Accessed 2026-09-29.
  35. CNA Insurance Reviews. Trustpilot; CNA.com profile, lines 40-72 and current review entries including business billing complaint (lines 59-63) and long-term-care reports (lines 66-70); profile says reviews are individual opinions at line 177. Self-selected mixed review population, not a representative commercial-insurance outcome. Re-read 2026-09-29. Accessed 2026-09-29.

Travelers Official Website

  1. Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
  2. Small Business Technology Services Insurance. Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16.
  3. Cyber Insurance for Technology and Life Sciences. Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16.
  4. IT Insurance. Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16.
  5. Business and Commercial Insurance Policy Quotes. Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16.
  6. Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
  7. Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
  8. Management and Professional Liability Insurance. Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16.
  9. Directors and Officers (D&O) Liability Insurance. Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
  10. Fiduciary Liability Insurance. Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
  11. Employment Practices Liability Insurance (EPL). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16.
  12. Fidelity & Crime Insurance. Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
  13. Inland Marine Insurance. Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16.
  14. Surety Bonds. Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16.
  15. Equipment Breakdown Insurance Coverage. Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16.
  16. Business Insurance Claims. Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16.
  17. File a Business Claim. Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16.
  18. MyTravelers for Business Online Self-Service Capabilities. Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16.
  19. Global Insurance for Technology and Life Sciences. Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16.
  20. Global Insurance. Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16.
  21. Who We Are. Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16.
  22. Benefit from the Personal Attention of a Travelers Independent Agent. Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16.
  23. Find the nearest Travelers Insurance agency. Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16.
  24. Travelers Insurance agencies in CA. Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16.
  25. Workers Compensation Insurance. Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16.
  26. Commercial Umbrella and Excess Liability Insurance. Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16.
  27. Errors and Omissions Insurance (E&O). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16.
  28. Travelers Investor Relations Corporate Profile. The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16.
  29. The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025. U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16.
  30. California Department of Insurance company profile: Travelers Indemnity Company (The). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16.
  31. California Department of Insurance company profile: Travelers Casualty and Surety Company of America. California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16.

Updated . 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. To suggest a correction, contact Spot with the page URL and supporting source.

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