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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 8,9,10
What Are the Key Differences Between CNA and Zurich U.S. D&O Insurance?
Product scope and organization fit
CNA’s 2025 Epack 3 summary is designed for private companies, including small private companies, and says the issuing company varies by form and state. Zurich’s cited Management Liability page lists D&O alongside crime, fiduciary and EPLI. A private company can compare CNA’s named product description with Zurich’s management-liability offering, then ask whether the Zurich proposal combines lines or schedules them separately; do not infer a purchase requirement from the page list. 4 7
Limit design to confirm
CNA’s marketing summary identifies Side A, Side B and Side C protection and says shared or separate limits may be available, subject to wording and underwriting. Zurich’s source locator names the D&O line within Management Liability but does not itself state limit structures. That is a quote question, not evidence that Zurich lacks those options; request its limit schedule and compare it with CNA’s proposed form. 4 7
What Should You Confirm in CNA and Zurich U.S. D&O Insurance Quotes?
CNA and Zurich U.S. 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 reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsCNA vs Zurich U.S. D&O Insurance Compared
CNA vs Zurich U.S.: D&O Insurance: documented features by provider
| Criteria | CNA Epack 3 Private Company D&O | Zurich Directors and Officers Liability Insurance |
|---|---|---|
| Who It’s For | CNA states this D&O product is designed for private companies, including small private companies. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Zurich lists coverage options for publicly traded, private and nonprofit companies, including IPOs. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | CNA’s private-company D&O summary describes coverage for covered company and individual claims and identifies Side A, Side B and Side C protection. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Zurich D&O can help protect directors’ and officers’ personal assets and address covered company legal fees and costs. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | CNA says Epack 3 D&O can use shared or separate limits and offers an embedded Side A limit option. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Availability of options is subject to underwriting and policy wording. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Confirm in your quote. |
| Claims Support | CNA says an experienced claims team supports policyholders with D&O claims. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Private-company D&O in Epack 3 Jurisdiction: United States Research source scope: U.S. private-company D&O under Epack 3; issuer/state terms vary Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Source is CNA’s 2025 private-company D&O marketing summary; it is not an issued policy form. | Zurich says every member of its D&O claims team is an attorney with current-litigation and global-exposure knowledge. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Related Pages for CNA vs Zurich U.S. D&O Insurance
D&O Insurance Pages for CNA and Zurich U.S.
Other Coverage Lines Compared for CNA vs Zurich U.S.
Other D&O Insurance Provider Comparisons
Sources for CNA vs Zurich U.S. D&O 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.
- Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
