CNA vs 
Zurich U.S.: How Do They Compare for General Liability Insurance?
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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 10,11,12
Key Differences in General Liability Insurance
Portfolio Structure and Business Segment
CNA identifies GL solutions for smaller, mid-sized, and large companies, supported by industry-specific underwriting and risk control. Zurich lists GL in a U.S. commercial casualty portfolio with bundled and unbundled solutions, and separately names a captive program for commercial trade contractors. That contractor example is a defined segment, not a universal eligibility promise. Ask whether your operations match that program or another Zurich placement, and compare the corresponding CNA class. 4 7 9
Services Around a Claim
CNA says it has GL claims professionals and industry-specific risk-control staff. Zurich describes casualty services from risk engineers and a Claims team, with access to medical-management and legal services. These are different published descriptions of support, not evidence of a particular claim outcome. Ask which services apply to your GL placement, who coordinates them, and whether costs or access conditions appear in the proposal. 4 7
What to Confirm in General Liability 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. General Liability Insurance Compared
CNA vs Zurich U.S.: General Liability Insurance: documented features by provider
| Criteria | CNA Commercial General Liability | Zurich General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Zurich's domestic casualty page lists General Liability in its U.S. commercial casualty portfolio and describes both bundled and unbundled casualty solutions. 7Company-reported. Zurich U.S. company marketing. This does not identify the risk-bearing legal entity for a specific policy or establish that every coverage is available in every state. |
| Issuing Insurer | Confirm in your quote. | The reviewed commercial casualty and program pages do not name the issuing insurer for a particular General Liability quote. 7,9Not publicly disclosed. Zurich U.S. markets through multiple insurance companies; confirm the entity shown on the quote and issued declarations. |
| Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich lists General Liability in a commercial-trade-contractors captive program, a segment-specific example rather than a general eligibility statement for all Zurich liability placements. 9Company-reported. One company-described commercial contractors program. Its submission and underwriting requirements do not establish eligibility under other Zurich products or for a particular applicant. |
| Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich's commercial insurance overview describes general liability as addressing bodily injury, property damage, and personal-injury claims related to business premises or operations. 8Company-reported. High-level company description only; it is not an insuring agreement, and the issued policy defines covered claims, exclusions, conditions, and limits. |
| Limits and Retentions | Confirm in your quote. | The reviewed overview pages do not establish a buyer-specific General Liability limit, retention, or deductible. 7,8Not publicly disclosed. No amount is inferred from general product descriptions. The quote and issued policy determine the applicable limits and deductibles. |
| Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. 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 commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | For its casualty solutions, Zurich describes support from Risk Engineers and its Claims team, with access to medical-management and legal services. 7Company-reported. Broad company-described casualty services; a quote or policy may define which services and claims contacts apply to the insured. |
| How to Apply | Confirm in your quote. | Zurich directs commercial buyers to talk with an agent or broker about its coverage. 8,6Company-reported. Company route for U.S. commercial insurance. The cited pages do not establish an online direct purchase flow or guarantee that a quoted line will be bound. |
Related Pages for CNA vs Zurich U.S. General Liability Insurance
General Liability Insurance Pages for CNA and Zurich U.S.
Other Coverage Lines Compared for CNA vs Zurich U.S.
Other General Liability Insurance Provider Comparisons
Sources for CNA vs Zurich U.S. General 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.
- Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. 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.
- Commercial Casualty Insurance | Zurich Insurance. Zurich U.S.; Domestic Casualty Solutions lists General Liability among its products; the page describes bundled/unbundled casualty solutions, Risk Engineers, Claims, medical management and legal services. Company marketing; no buyer-specific terms. Accessed 2026-09-30.
- Business insurance for public & private companies | Zurich. Zurich U.S.; Commercial Insurance Solutions and General Liability overview; instructs buyers to talk to a broker or use Zurich’s broker route. General education and product navigation, not a policy form. Accessed 2026-09-30.
- Commercial Contractors’ Captive | Zurich Insurance. Zurich U.S.; Commercial trade-contractor program: General Liability is a coverage offered; page describes applicant characteristics and underwriting requirements. This is one captive program, not general eligibility for every Zurich liability policy. Accessed 2026-09-30.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
