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 Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 10,11,12
What Are the Key Differences Between CNA and Travelers Fidelity Bonds?
General form list and ERISA plan focus
CNA lists dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds. Travelers describes ERISA fidelity insurance as protecting an employee benefit plan from losses caused by fraud or dishonesty by people handling plan funds ( 4 8). CNA names several bond categories; Travelers’ description centers on plan assets and the people who handle them. For a plan sponsor, verify the required ERISA amount and covered handlers in the proposed bond.
Loss examples and protected property
CNA describes fidelity bonds as protecting businesses and their customers against losses from employee dishonesty. Travelers gives theft, embezzlement and forgery as examples of plan-fund losses caused by people who handle those funds ( 4 8). Both descriptions address dishonest conduct, but they identify different protected interests: business/customer losses in CNA’s description and benefit-plan funds in Travelers’. Check that the proposal names the same property and people as your exposure.
What Should You Confirm in CNA and Travelers Fidelity Bonds Quotes?
- Which plan funds and handlers does the Travelers bond identify, and what ERISA amount is proposed?
- Which CNA bond form covers the required business, customer or plan interest?
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 Fidelity Bonds Compared
CNA vs Travelers: Fidelity Bonds: documented features by provider
| Criteria | CNA Fidelity Bonds | Travelers ERISA Fidelity Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers lists ERISA fidelity as one of its Management & Professional Liability products, and separately lists ERISA Fidelity among the bond types it provides on its surety bond page. 8,9Company-reported. Management & Professional Liability product list and Surety Bonds product list. |
| Who It’s For | Confirm in your quote. | Travelers offers ERISA fidelity coverage as part of a product suite that also covers private companies, public companies, nonprofit organizations and financial institutions, but the reviewed pages do not name specific eligible business sizes or industries for the ERISA fidelity product itself. 8Not publicly disclosed. Management & Professional Liability Insurance page general eligibility statement. |
| Coverage Features | CNA describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. 4Company-reported. Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern. CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. 4Company-reported. Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility. | Travelers describes ERISA fidelity insurance as covering an employee benefit plan against losses caused by acts of fraud or dishonesty, such as theft, embezzlement or forgery, by the people who handle plan funds. 8Company-reported. Management & Professional Liability Insurance page, ERISA fidelity insurance entry; exact terms and required minimum bond amounts are set by ERISA and the issued bond. |
| Limits and Retentions | Confirm in your quote. | Neither reviewed page publishes bond amounts, premiums or terms for ERISA fidelity coverage; federal ERISA rules set minimum bonding requirements, but Travelers' specific offer would appear on a quote. 8,9Not found in reviewed sources. Management & Professional Liability and Surety Bonds pages as read on 2026-09-23. |
| Risk Services | CNA says experienced claims specialists help resolve surety and fidelity claims. 4Company-reported. Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | ERISA fidelity coverage is bought through a Travelers independent agent. 9Company-reported. Surety Bonds page "Find an insurance agent" call to action. |
Related Pages for CNA vs Travelers Fidelity Bonds
Fidelity Bonds Pages for CNA and Travelers
Other Coverage Lines Compared for CNA vs Travelers
Other Fidelity Bonds Provider Comparisons
Sources for CNA vs Travelers Fidelity Bonds
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.
- CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. 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.
- Management and Professional Liability Insurance. Travelers; "Select a product" list: ERISA fidelity insurance — "helps cover an employee benefit plan against losses caused by acts of fraud or dishonesty such as theft, embezzlement or forgery". Accessed 2026-09-23.
- Surety Bonds. Travelers; "Surety bonds provided by Travelers" list, including ERISA Fidelity. Accessed 2026-09-23.
Sources for the Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
