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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 5,6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
What Are the Key Differences Between CNA and Travelers Crime Insurance?
Offering Structure and Distribution
Travelers names loss from forgery or alteration, money and securities, and related claim expenses, with examples including employee dishonesty, funds-transfer fraud, computer fraud and social engineering. It also offers a social-engineering endorsement. CNA’s reviewed crime claim establishes a selectable line but does not disclose equivalent event wording or endorsements. A Travelers product description is still not a substitute for the form and declarations. 4 8
Coverage Detail and Buyer Fit
Travelers markets the line to nonprofits, private and public companies and sells through independent agents. CNA names those organization types and routes agents to its Agent Center. Travelers’ source names Travelers Casualty and Surety Company of America and affiliates in disclosure but says a particular policy issuer can vary; verify the insurer shown on each quote rather than generalizing across the brand. 4 8
What Should You Confirm in CNA and Travelers Crime Insurance Quotes?
- Ask Travelers which agreements and social-engineering endorsement are included and which Travelers entity issues the quote; ask CNA for its selected crime wording and issuer. 4 8
- Compare forgery, money and securities, computer fraud and social-engineering definitions, limits and deductibles for the same loss scenarios. 4 8
CNA and Travelers 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 reviewsTravelers Review Score
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 reviewsCNA vs Travelers Crime Insurance Compared
CNA vs Travelers: Crime Insurance: documented features by provider
| Criteria | CNA Management Liability Crime Coverage | Travelers Fidelity & Crime Insurance |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. 4Company-reported. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone. | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 8Company-reported. Product page "What is fidelity and crime coverage?" section. |
| Issuing Insurer | Confirm in your quote. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 8Company-reported. Product page video legal footer. |
| Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. 4Company-reported. This is broad segment context, not a crime-specific acceptance rule. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 8Company-reported. Product page "Who is fidelity and crime coverage right for?" section. |
| Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. 4Company-reported. The product page establishes a marketed option, not that all component lines must be purchased together. | Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. 8Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. 8Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. 8Company-reported. Product page Resources section. |
| How to Apply | CNA directs agents seeking an application to its Agent Center. 4Company-reported. The page does not state that a business can apply directly or identify all documents required for crime coverage. | Fidelity and crime coverage is bought through a Travelers independent agent. 8Company-reported. Product page "Find an insurance agent" call to action. |
Related Pages for CNA vs Travelers Crime Insurance
Crime Insurance Pages for CNA and Travelers
Other Coverage Lines Compared for CNA vs Travelers
Other Crime Insurance Provider Comparisons
Sources for CNA vs Travelers Crime Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About Travelers
- 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.
- 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.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Fidelity & Crime Insurance. Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
