---
title: "CNA vs Travelers: Umbrella and Excess Liability Insurance"
description: "Travelers offers three umbrella/excess paths, including Northfield for hard-to-place risks; CNA lists four built-in enhancements."
canonical: "https://spot.insure/compare/cna-vs-travelers/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-travelers"
provider-a: "cna"
provider-b: "travelers"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/cna-vs-travelers/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of CNA and Travelers for Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance questions about CNA versus Travelers. 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 Travelers for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, CNA or Travelers?
- What does CNA or Travelers publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from CNA or Travelers?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: CNA and Travelers.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Travelers](https://spot.insure/compare/cna-vs-travelers) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence)
- [CNA vs Travelers Business Owner’s Policy](https://spot.insure/compare/cna-vs-travelers/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-travelers/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Commercial Property Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Crime Insurance](https://spot.insure/compare/cna-vs-travelers/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Cyber Insurance](https://spot.insure/compare/cna-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers D&O Insurance](https://spot.insure/compare/cna-vs-travelers/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-travelers/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Fidelity Bonds](https://spot.insure/compare/cna-vs-travelers/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers General Liability Insurance](https://spot.insure/compare/cna-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Inland Marine Insurance](https://spot.insure/compare/cna-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-travelers/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Management Liability Insurance](https://spot.insure/compare/cna-vs-travelers/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Surety Bonds](https://spot.insure/compare/cna-vs-travelers/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Tech E&O Insurance](https://spot.insure/compare/cna-vs-travelers/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-travelers/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# CNA vs Travelers: How Do They Compare for Umbrella and Excess Liability Insurance?

Travelers offers three umbrella/excess paths, including Northfield for hard-to-place risks; CNA lists four built-in enhancements.

## How to Use the CNA vs Travelers Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate CNA and Travelers for Umbrella and Excess Liability 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.

## CNA vs Travelers Umbrella and Excess Liability Insurance Summary

Travelers describes A/B umbrella, excess liability and Northfield excess-and-surplus-lines options, with the latter aimed at hard-to-place risks. CNA lists four built-in enhancements. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

## 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 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products")

## What Are the Key Differences Between CNA and Travelers Umbrella and Excess Liability Insurance?

### Options for Different Risk Profiles

Travelers describes three paths: A/B umbrella, excess liability, and Northfield excess-and-surplus-lines coverage for risks such as multiple prior claims, limited loss history or unusual classifications. CNA’s record describes flexible umbrella underwriting without comparable named paths. That makes Travelers’ segmentation a useful question for a risk that has struggled to find capacity; the underwriter still must confirm whether a specific option fits and what terms apply. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")

### Coverage Features

CNA names four built-in enhancements: key-employee replacement, crisis management, waiver of subrogation and most-favorable venue. Travelers says its options can increase limits, replace exhausted primary limits and sometimes broaden coverage for certain losses, while identifying uninsured-motorist exposure as an example of legal risk not always covered. Buyers should compare these distinct wording details rather than assuming either description applies identically to every option. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

## What Should You Confirm in CNA and Travelers Umbrella and Excess Liability Insurance Quotes?

- Ask Travelers which of its three paths applies and whether your primary limits must be with Travelers. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")
- Ask CNA for offered limits and full wording for each enhancement. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")
- Review uninsured-motorist, attachment and exhaustion terms in both forms. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance")

## CNA vs Travelers Umbrella and Excess Liability Insurance Compared

| Criteria | CNA Commercial Umbrella and Excess Liability | Travelers Commercial Umbrella and Excess Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Travelers underwrites commercial umbrella and excess liability coverage as a supplemental policy layered on top of a buyer's existing general liability, auto liability and employer's liability policies, sold through three product options rather than one single form. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Commercial-umbrella product page, as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The reviewed commercial-umbrella page does not name the specific underwriting entity for A/B umbrella, excess liability or the Northfield excess-and-surplus-lines option. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Not publicly disclosed; scope: Commercial-umbrella page as read on 2026-09-23..) |
| Who It’s For | Confirm in your quote. | Travelers says commercial umbrella and excess coverage is available across all industries, and separately markets its A/B Umbrella product to small businesses as part of its small-business insurance solutions. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Commercial-umbrella page, including its small-business FAQ answer..) |
| Coverage Features | CNA says its umbrella forms are designed to align with most underlying terms and conditions. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA lists key-employee replacement, crisis management, waiver of subrogation and most-favorable venue as built-in enhancements. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Travelers describes three coverage paths: A/B umbrella, excess liability, and Northfield excess-and-surplus-lines coverage for hard-to-place risks such as businesses with multiple prior claims, limited loss history or an unusual classification. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Commercial-umbrella page's solutions list and Northfield FAQ answer..)<br><br>Travelers says the policy increases limits above standard primary policies, can replace exhausted primary limits, and can offer broader coverage than the underlying policies for certain losses, but that it does not cover all legal risk, such as some instances of uninsured-motorist exposure. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued..) |
| Limits and Retentions | Confirm in your quote. | Travelers says umbrella coverage typically starts at $1 million and increases in $1 million increments, and that it can write unsupported (monoline) policies with limits up to $25 million for small, midsized and large organizations. It does not publish a maximum limit for excess liability or Northfield placements. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Commercial-umbrella cost section and benefits list..) |
| Risk Services | CNA says its commercial umbrella/excess underwriting draws on more than 50 years of experience and offers flexible underwriting. [4](https://www.cna.com/products/umbrella "Umbrella Insurance and Excess Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial umbrella/excess Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Travelers says an umbrella policy is usually purchased from the same insurer holding a buyer's primary coverage, which may require maintaining certain primary liability limits with Travelers first, and directs buyers to a Travelers independent agent to get started. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript..) |

## Related Pages for CNA vs Travelers Umbrella and Excess Liability

- [CNA vs Travelers](https://spot.insure/compare/cna-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [CNA vs Travelers Business Owner’s Policy](https://spot.insure/compare/cna-vs-travelers/business-owners-policy)
- [CNA vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-travelers/cargo-transit)
- [CNA vs Travelers Commercial Auto Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-auto)
- [CNA vs Travelers Commercial Property Insurance](https://spot.insure/compare/cna-vs-travelers/commercial-property)
- [CNA vs Travelers Crime Insurance](https://spot.insure/compare/cna-vs-travelers/crime)
- [CNA vs Travelers Cyber Insurance](https://spot.insure/compare/cna-vs-travelers/cyber)
- [CNA vs Travelers D&O Insurance](https://spot.insure/compare/cna-vs-travelers/directors-officers)
- [CNA vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-travelers/employment-practices)
- [CNA vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-travelers/equipment-breakdown)
- [CNA vs Travelers Fidelity Bonds](https://spot.insure/compare/cna-vs-travelers/fidelity-bonds)
- [CNA vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-travelers/fiduciary)
- [CNA vs Travelers General Liability Insurance](https://spot.insure/compare/cna-vs-travelers/general-liability)
- [CNA vs Travelers Inland Marine Insurance](https://spot.insure/compare/cna-vs-travelers/inland-marine)
- [CNA vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-travelers/kidnap-ransom)
- [CNA vs Travelers Management Liability Insurance](https://spot.insure/compare/cna-vs-travelers/management-liability)
- [CNA vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-travelers/professional-errors-omissions)
- [CNA vs Travelers Surety Bonds](https://spot.insure/compare/cna-vs-travelers/surety-bonds)
- [CNA vs Travelers Tech E&O Insurance](https://spot.insure/compare/cna-vs-travelers/technology-errors-omissions)
- [CNA vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-travelers/workers-compensation)
- [AIG vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cna/umbrella-excess)
- [AIG vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-travelers/umbrella-excess)
- [Alliance Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/umbrella-excess)
- [Alliance Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/umbrella-excess)
- [Amelia Risk vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/umbrella-excess)
- [Amelia Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/umbrella-excess)

## Sources for CNA vs Travelers Umbrella and Excess Liability Insurance

### Sources About 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. [Umbrella Insurance and Excess Liability Insurance | CNA Insurance](https://www.cna.com/products/umbrella). CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.

### Sources About Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; What are the benefits of commercial umbrella insurance?; Our commercial umbrella and excess liability solutions include: A/B umbrella, Excess liability, Excess and surplus lines: Northfield; Commercial umbrella liability insurance cost; small business FAQ answer. Accessed 2026-09-23.

### Sources for the Umbrella and Excess Liability Insurance Guide

9. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
11. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
13. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. 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 Review Scores for 2026

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).

## Travelers Review Scores for 2026

Review Score: 4.8 / 10 from 3 rated sources, equally weighted.

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.

- 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 Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance)
- Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews).

## Agent and Developer Resources

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