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 Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 10,11
Key Differences in Cyber Insurance
Insurer and product structure
CNA names Epack 3 for small and midsize businesses and EPS Plus for professional-services firms. USI brokers cyber policies, including its manuscripted PrivaSafe program, and the insurer varies by placement. Ask USI which insurer and form it is proposing; compare that with CNA’s named package and quote.
4 8Published sublimits to compare
USI says PrivaSafe can provide up to $2 million for notification costs in addition to the aggregate and $250,000 in defense costs outside the limit; it also cites protection up to $10 million. CNA’s reviewed claims do not state a limit. Request CNA’s quote-specific limits and compare defense and notification treatment line by line.
8 4What to Confirm in Cyber Insurance Quotes
- What carrier, manuscripted form and aggregate does USI propose for PrivaSafe?
- What cyber aggregate, notification sublimit and defense-cost treatment will CNA offer?
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
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
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 reviewsOffering Details
CNA vs USI Insurance Services: Cyber Insurance: documented features by provider
| Criteria | CNA Cyber Insurance | USI PrivaSafe Cyber and Privacy Liability Program |
|---|---|---|
| Role in This Line | Confirm in your quote. | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. 8,6Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages. |
| Issuing Insurer | Confirm in your quote. | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. 8Not publicly disclosed. PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found. |
| Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. 8Company-reported. Program page marketing description, not an underwriting appetite statement. |
| Coverage Features | Confirm in your quote. | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). 8Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form. |
| Limits and Retentions | Confirm in your quote. | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). 8Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations. |
| Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. 8,9Company-reported. Program page and property-casualty practice team description. |
| How to Apply | Confirm in your quote. | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. 8Company-reported. PrivaSafe program page intake description. |
Full Comparison
More CNA vs USI Insurance Services Comparisons
Other Cyber Insurance Comparisons
Sources
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.
- Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
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; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe... Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- USI Exclusive PrivaSafe. USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy... Accessed 2026-09-23.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
