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
Read the Travelers Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 9,10,11
What Are the Key Differences Between CNA and Travelers Employment Practices Liability Insurance?
Covered people and allegations
CNA expressly mentions volunteers, interns and independent contractors, plus third-party discrimination or harassment. Travelers describes defense costs and damages for wrongful termination, discrimination, workplace harassment and retaliation, but the reviewed claim does not enumerate those nonemployee groups. If contractors or visitors matter to your exposure, compare the insured-person definition and third-party extension in each proposed form. 4 8
Organization and buying route
Travelers markets EPL to financial institutions, nonprofits, and private and public companies; it can be standalone or alongside other management-liability coverages and is bought through an independent agent. CNA identifies public, private and nonprofit organizations but does not state the same buying route in its cited claim. Ask who issues each policy and what claim assistance comes with the proposal. 4 8
What Should You Confirm in CNA and Travelers Employment Practices Liability Insurance Quotes?
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 Employment Practices Liability Insurance Compared
CNA vs Travelers: Employment Practices Liability Insurance: documented features by provider
| Criteria | CNA Epack 3 Employment Practices Liability | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 8Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
| 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 identifies private, nonprofit and public organizations among the potential EPL customer classes. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Eligibility remains subject to underwriting and policy state. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 8Company-reported. Product page "Who is this right for?" section. |
| Coverage Features | CNA EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 8Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 8Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. |
| Risk Services | CNA advertises Beyond HR workplace training/resources and an employment-law helpline; it says the helpline does not provide legal advice on specific acts or claims. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability services Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Services are not legal representation or a guarantee of coverage. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | EPL 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 Employment Practices Liability
Employment Practices Liability Insurance Pages for CNA and Travelers
Other Coverage Lines Compared for CNA vs Travelers
Other Employment Practices Liability Insurance Provider Comparisons
Sources for CNA vs Travelers Employment Practices 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.
- Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
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.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
