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CNA vs USI Insurance Services

CNA directs small-business buyers to agents, while USI Insurance Services’s published materials document its application route. Compare how each handles your submission and policy support, then confirm the actual insurer, terms, and service contact in writing. 3,45

Introduction

Coverage Comparison

CoverageCNAUSI Insurance Services
Builders riskListed 31Inland Marine appetite category; separately, Ocean Marine lists Hull Builders RiskNot listed
Business owner’s policyListed 9Not listed
Cargo and transitListed 10Listed 45USI arranges cargo and transit insurance.
Commercial autoListed 11Listed 44,46USI arranges commercial auto insurance.
Commercial propertyListed 12Listed 45,44USI arranges commercial property insurance.
CrimeListed 30named Management Liability coverage and configurable Epack 3 componentListed 46USI arranges crime insurance.
Cyber liabilityListed 13Listed 45,50,44USI arranges cyber insurance.
Directors and officersListed 14Listed 45,46USI arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 49USI advises employers on health-plan design, medical costs, pharmacy and benefits administration.
Employment practices liabilityListed 15Listed 46USI arranges employment practices liability insurance.
Equipment breakdownListed 16Not listed
Fidelity bondsListed 17Not listed
Fiduciary liabilityListed 18Listed 46USI arranges fiduciary liability insurance.
General liabilityListed 19Listed 44,46USI arranges 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 46USI arranges kidnap and ransom insurance.
Management liabilityListed 21Listed 46USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.
Media liabilityListed 28component of Epack 3 packageNot listed
Medical malpracticeListed 22Listed 48USI arranges medical malpractice insurance.
Product liabilityListed 23,25,24Listed 45,44USI arranges product liability insurance.
Professional errors and omissions (E&O)Listed 28currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability componentListed 46USI arranges professional errors and omissions insurance.
Representations and warrantiesNot listedListed 47USI arranges representations and warranties insurance.
Surety bondsListed 17Listed USI arranges contract, commercial and international surety bonds.
Technology errors and omissions (E&O)Listed 13Listed 45USI arranges technology errors and omissions insurance.
Tools, equipment and inland marineListed 20Not listed
Umbrella and excess liabilityListed 26Listed 44,46USI arranges umbrella and excess liability.
Workers’ compensationListed 27Listed 44,46USI arranges 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.

USI Insurance Services

Broker

Broker

5.3/ 10

Assessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.

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

USI Insurance Services

6.4/ 10

Review Score

1 rated source

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.[4][6][8]

Read USI Insurance Services reviews

Key Differences Between CNA and USI Insurance Services

Business Roles and Access

CNA’s documented small-business access begins with an agent. USI Insurance Services describes its role as follows; ask which entity will advise, place, service, and issue the policy you are considering.

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.

USI Insurance Services’s record describes a separate role and route. Compare the actual parties named in each proposal; a brand or platform name alone does not establish who advises, places, services, or underwrites a policy.

USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. 37,36,43,56Company-reported. Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.

Applications and Buying Process

CNA’s published small-business route is agent-directed. USI Insurance Services documents the following application approach, which may be a better fit when it matches how you want to submit business information and work through options.

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.

USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. 45,44,40,52Company-reported. Public inquiry paths as of access date. Not an application completeness or speed claim.

Coverage and Policy Service

The comparison table shows the current listed coverage categories for both providers. Matching labels are only a starting point: ask for each proposed policy form, endorsements, limits, deductibles or retentions, and exclusions. CNA describes this service route for its stated scope; USI Insurance Services’s record describes its own service model.

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.

USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. 38,45,44Company-reported. Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.

Claims Reporting

Before selecting either route, identify the issuer and the exact instructions that apply to each policy. CNA’s source describes its reporting entry point and stated limits; USI Insurance Services’s fact records the available claims information within its documented scope. These descriptions do not establish claim outcomes.

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.

USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. 40,54,55,44Company-reported. Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.

What to Confirm in Quotes

Ask CNA and USI Insurance Services to identify the producer or advisor, issuing insurer, and policy-specific service contact for every proposed line. Request the same limits, deductibles or retentions, retroactive dates where applicable, endorsements, exclusions, fees, and effective dates so you can compare the actual terms. Confirm who handles routine changes and renewal questions, and get the claims reporting instructions with the policy documents. CNA’s small-business route starts with an agent; ask USI Insurance Services who will guide your submission and what support continues after binding.

Compare Services

What each provider documents about the services you may need

CriteriaCNAUSI Insurance Services
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.

USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. 45,44,40,52Company-reported. Public inquiry paths as of access date. Not an application completeness or speed claim.

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.

USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. 38,45,44Company-reported. Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.

USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. 53,36Company-reported. Risk-control tool as marketed. Access for a given client is not specified on the public pages.

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.

USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. 40,54,55,44Company-reported. Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.

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.

USI Insurance Services Official Website

  1. Insurance Brokerage and Consulting. USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
  2. The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
  3. The USI ONE Advantage. USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
  4. Find a USI office near you. USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
  5. Contact Us. USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
  6. Disclaimer. USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
  7. Privacy. USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
  8. Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
  9. P&C Insurance and Risk Consulting. USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
  10. Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
  11. Business Services. USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
  12. Private Equity. USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
  13. Healthcare. USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
  14. Employee Benefits. USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
  15. USI Exclusive PrivaSafe. USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16.
  16. Protect Your Organization From Increasing Third-Party Cyber Exposures. USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
  17. Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
  18. Reduce Claims and Costs by Optimizing Your Risk Control. USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
  19. Client Emergency Preparedness Claims Kit. USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
  20. Natural Disaster Planning. USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
  21. Aon to acquire USI to establish the premier U.S. middle-market platform. Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
  22. USI Insurance Services LLC associate biography (San Francisco). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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