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 USI Insurance Services?
USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. 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. 10,11,12,13,14
What Are the Key Differences Between CNA and USI Insurance Services Crime Insurance?
Offering Structure and Distribution
USI’s ExecuSafe service checks existing crime coverage for gaps, while its Business Services practice describes exposure reviews, claim advocacy and risk control across lines including crime. These are broker services, not policy provisions. CNA’s public claim establishes a coverage option but does not describe a comparable crime review or claim-advocacy service. Ask how any advisory work is scoped and who handles claims. 4 8 9
Coverage Detail and Buyer Fit
USI specifically lists building and maintenance, repair, janitorial, staffing and printing among target business-services sectors, whereas CNA names private and public companies and nonprofits for management liability. USI routes these inquiries to its business-services team or local office; CNA directs agents to Agent Center. Neither description determines acceptance or available limits. 4 8
What Should You Confirm in CNA and USI Insurance Services Crime Insurance Quotes?
- Ask USI whether ExecuSafe or its Business Services practice will handle your placement and what the crime-gap review includes; ask CNA for the selected Epack schedule. 4 8 9
- Compare the existing and proposed forms for employee theft, funds-transfer fraud, exclusions, limits and any uncovered gap identified by the broker. 4 8
CNA and USI Insurance Services 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 reviewsUSI Insurance Services Review Score
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 reviewsCNA vs USI Insurance Services Crime Insurance Compared
CNA vs USI Insurance Services: Crime Insurance: documented features by provider
| Criteria | CNA Management Liability Crime Coverage | USI Crime Insurance Brokerage |
|---|---|---|
| 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. | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. 8,9Company-reported. Business Services catalogue and ExecuSafe article. |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurer USI uses for crime placements. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. 8Company-reported. Company description of client base. |
| 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. | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. 8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | Neither page publishes crime coverage limit or retention figures. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. 8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| 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. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 8,9Company-reported. Contact instructions on each page. |
Related Pages for CNA vs USI Insurance Services Crime Insurance
Crime Insurance Pages for CNA and USI Insurance Services
Other Coverage Lines Compared for CNA vs USI Insurance Services
Other Crime Insurance Provider Comparisons
Sources for CNA vs USI Insurance Services 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 USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Crime... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). 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.
