CNA vs 
Zurich U.S.: How Do They Compare for Fiduciary Liability Insurance?
CNA’s Epack 3 fiduciary description addresses employee benefit and retirement-plan administration and lists defense expenses, certain penalties, voluntary compliance costs, and pre-claim investigations. Zurich says its Fiduciary Liability Select addresses claims and investigations involving employee savings, pension, and health or welfare plans; it offers both standalone and packaged policies. A buyer can compare the form structure alongside the policies’ listed expense and investigation treatment. 4,8
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 Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 9,10,11
Key Differences in Fiduciary Liability Insurance
Standalone and Packaged Forms
CNA’s Epack 3 fiduciary description addresses employee benefit and retirement-plan administration and lists defense expenses, certain penalties, voluntary compliance costs, and pre-claim investigations. 4 Zurich says its Fiduciary Liability Select addresses claims and investigations involving employee savings, pension, and health or welfare plans; it offers both standalone and packaged policies. 8 7 A buyer can compare the form structure alongside the policies’ listed expense and investigation treatment. 7
Defense-Cost Features and Global Programs
Zurich lists advancement of defense costs and no restriction to panel counsel as coverage-solution features, and says qualified multinational customers can connect locally admitted policies to a U.S. master policy. 8 7 CNA’s public summary instead identifies a claims team and expert guidance for fiduciary insureds. 4 These are different published details: buyers with international plans should ask about Zurich’s qualification criteria, while all buyers should verify defense-cost advancement and counsel choice in the actual wording. 4
Who the Policies Address
CNA describes coverage for employee benefit and retirement plan administration, while Zurich names employee savings, pension, and health or welfare plan claims and investigations. 4 8 Organizations with multiple plan types should compare both definitions against the plans they sponsor and the fiduciaries who manage them. 8
What to Confirm in Fiduciary Liability Insurance Quotes
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Ask Zurich which plan countries and subsidiaries qualify for locally admitted policies under a U.S. master program. 7
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Ask CNA whether defense-cost advancement and counsel selection are addressed in the Epack 3 wording. 4
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Compare each form’s treatment of investigations and plan administration claims. 8 4
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. Fiduciary Liability Insurance Compared
CNA vs Zurich U.S.: Fiduciary Liability Insurance: documented features by provider
| Criteria | CNA Epack 3 Fiduciary Liability | Zurich Fiduciary Liability Insurance |
|---|---|---|
| Who It’s For | CNA states its fiduciary offering is written for public, private and nonprofit organizations. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Subject to underwriting and policy terms. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | Confirm in your quote. |
| Coverage Features | CNA states its Fiduciary Liability addresses exposure from administration and management of employee benefit and retirement plans. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: This is fiduciary liability, not an ERISA fidelity bond or employee-benefits liability. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Confirm in your quote. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Claims Support | CNA says fiduciary insureds have access to a claims team and expert guidance. 4Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form. | Confirm in your quote. |
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Sources for CNA vs Zurich U.S. Fiduciary Liability 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.
- Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations 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.
- Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. 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 Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
