---
title: "CNA vs Zurich U.S.: Fiduciary Liability Insurance"
description: "CNA describes fiduciary plan coverage, while Zurich offers standalone and packaged forms with global-program options."
canonical: "https://spot.insure/compare/cna-vs-zurich/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-zurich"
provider-a: "cna"
provider-b: "zurich"
coverage-line: "fiduciary"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cna-vs-zurich/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of CNA and Zurich U.S. for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about CNA versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Zurich U.S. for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, CNA or Zurich U.S.?
- What does CNA or Zurich U.S. publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from CNA or Zurich U.S.?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: CNA and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [CNA vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/cna-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Crime Insurance](https://spot.insure/compare/cna-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cna-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cna-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/cna-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/cna-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/cna-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/cna-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cna-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)

# CNA vs Zurich U.S.: How Do They Compare for Fiduciary Liability Insurance?

CNA describes fiduciary plan coverage, while Zurich offers standalone and packaged forms with global-program options.

## How to Use the CNA vs Zurich U.S. Fiduciary Liability Insurance Comparison

Use this comparison to evaluate CNA and Zurich U.S. for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## CNA vs Zurich U.S. Fiduciary Liability Insurance Summary

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](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## What Are the Key Differences Between CNA and Zurich U.S. 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](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") 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](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") A buyer can compare the form structure alongside the policies’ listed expense and investigation treatment. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

### 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](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") CNA’s public summary instead identifies a claims team and expert guidance for fiduciary insureds. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") 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](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

### 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](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") Organizations with multiple plan types should compare both definitions against the plans they sponsor and the fiduciaries who manage them. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

## What Should You Confirm in CNA and Zurich U.S. Fiduciary Liability Insurance Quotes?

- Ask Zurich which plan countries and subsidiaries qualify for locally admitted policies under a U.S. master program. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

- Ask CNA whether defense-cost advancement and counsel selection are addressed in the Epack 3 wording. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

- Compare each form’s treatment of investigations and plan administration claims. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

## CNA vs Zurich U.S. Fiduciary Liability Insurance Compared

| 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. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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..)<br><br>CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..)<br><br>Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: 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. |

## Related Pages for CNA vs Zurich U.S. Fiduciary Liability Insurance

- [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [CNA vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/cna-vs-zurich/builders-risk)
- [CNA vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-auto)
- [CNA vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-property)
- [CNA vs Zurich U.S. Crime Insurance](https://spot.insure/compare/cna-vs-zurich/crime)
- [CNA vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cna-vs-zurich/cyber)
- [CNA vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cna-vs-zurich/directors-officers)
- [CNA vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-zurich/employment-practices)
- [CNA vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/cna-vs-zurich/fidelity-bonds)
- [CNA vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/cna-vs-zurich/general-liability)
- [CNA vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/cna-vs-zurich/inland-marine)
- [CNA vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/cna-vs-zurich/management-liability)
- [CNA vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-zurich/professional-errors-omissions)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds)
- [CNA vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cna-vs-zurich/technology-errors-omissions)
- [CNA vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-zurich/umbrella-excess)
- [CNA vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-zurich/workers-compensation)
- [AIG vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-cna/fiduciary)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary)
- [Alliance Risk vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/fiduciary)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary)
- [Aon vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-cna/fiduciary)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)

## Sources for CNA vs Zurich U.S. Fiduciary Liability Insurance

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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.
4. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.

### Sources About Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance). Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
8. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.

### Sources for the Fiduciary Liability Insurance Guide

9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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.
11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-zurich/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)