CNA Ratings and Complaints Across Different Populations

No comparable average for CNA commercial-insurance customers appears in the reviewed sources. NerdWallet rates CNA 4.5/5 editorially for manufacturers and notes a workers-comp complaint qualification. Trustpilot is negative with mixed populations and conflicting score display; BBB reviews concern LTC. J.D. Power and identity-matched NAIC evidence remain unresolved. ConsumerAffairs concerns CNA National vehicle service contracts.[1][5][6][2][3][7][8]

NerdWallet reports a manufacturer-specific editorial assessment, while consumer review pages mix business and long-term-care experiences; the sources do not establish a representative CNA commercial-insurance average.

Review Sources

Compare ratings on the same 10-point scale, including approximate BBB grade conversions. Open source details for the original score, sample and scope.

Source	Score	What to Know
NerdWallet	4.5/5NerdWallet editorial rating for manufacturers	NerdWallet names CNA Best for risk management services and gives 4.5/5 in manufacturer-specific assessment. It reports relatively low property/liability complaints but workers-comp complaints somewhat higher than expected for company size; not a full CNA review. General business stars exclude commercial auto and workers compensation.[1] Source details NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. NerdWallet Published 2026-03-26 Checked 2026-09-29
Trustpilot	1.4/5 page text; 1.5/5 badgeDisplayed Trustpilot TrustScore 49 reviews	Unclaimed profile showed 49 reviews; text displayed 1.4/5 while badge displayed 1.5/5. Fourteen in prior 12 months; 98% one-star and 2% two-star. Includes business-owner billing grievance and LTC reports. These are reported experiences, not verified claim outcomes; display conflict retained.[5] Source details CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Trustpilot 14 reviews in prior 12 months; 2026-09-29 Checked 2026-09-29
BBB	1/5BBB customer-review average 6 reviews	Page showed 1/5 from six reviews; dated 2023–2026 reports concern LTC premium increases and claims. BBB says not accredited and reviews not verified; consider size and volume. Negative LTC evidence is not evidence about commercial products.[6] Source details Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. BBB Displayed 2026-09-29 Checked 2026-09-29

Other sources checked (3)

J.D. Power
The 2022 J.D. Power independent-agent study was located, but CNA's result could not be verified from the accessible evidence. No CNA score or respondent count is reported here.[2]
2022 U.S. Independent Agent Satisfaction Study; exact CNA result not inspected.
NAIC
NAIC says subsidiaries may appear under different names and complaint indices depend on company/state/line. No exact dynamic query resolved. Unresolved, not zero complaints or not-found.[3][4]
Exact insurer, state and line not identity-matched.
ConsumerAffairs
ConsumerAffairs includes CNA National vehicle service-contract and warranty reviews. In an August 7, 2026 reply on ConsumerAffairs, CNA National says it does not sell insurance. CNA identifies it as a wholly owned subsidiary offering warranty products. Exclude the 1.5/5, 26-review warranty metric from the commercial-insurance review population.[7][8]
CNA National vehicle service contracts/warranties by subsidiary, not insurance review cohort.

Manufacturer Editorial Assessment

NerdWallet names CNA Best for risk management services and gives 4.5/5 in a manufacturer article published March 26, 2026. It reports relatively low property/liability complaints but workers-comp complaints somewhat higher than expected for company size. Editorial assessment, not consumer average or full CNA review; general business stars exclude commercial auto and workers compensation.[1]

Trustpilot Reviews Across Mixed Experiences

Unclaimed CNA.com profile showed 49 reviews. Text displayed 1.4/5 and badge 1.5/5; 14 in prior 12 months, with 98% one-star and 2% two-star. Reports include business-owner billing and LTC complaints. Self-selected reports are not verified outcomes or representative commercial P&C sample; conflicting display retained.[5]

BBB Reviews Concern Long-Term Care

BBB page is categorized Long Term Care Insurance and showed 1/5 from six reviews. Dated reports discuss premium increases and claims. BBB says not accredited and reviews not verified; consider volume and size. Adverse LTC evidence, not commercial-insurance performance.[6]

J.D. Power Result Not Verified

The 2022 J.D. Power independent-agent study was located, but CNA's result could not be verified from the accessible evidence. No CNA score or respondent count is reported here.[2]

NAIC Result Unresolved

NAIC says subsidiaries may have different names and indices depend on company, state, line and market complaint/premium. No CNA legal entity/state/commercial line was resolved. Unresolved, not zero complaints or not-found.[3][4]

Vehicle Service Contracts Are Separate

ConsumerAffairs covers CNA National vehicle service contracts and warranties. In an August 7, 2026 reply on ConsumerAffairs, CNA National says it does not sell insurance. CNA identifies CNA National as a wholly owned subsidiary offering warranty products. Its 1.5/5 from 26 reviews is excluded from commercial-insurance metrics.[7][8]

Limitations

Sources cover different products/populations and cannot be combined as one commercial-insurance rating.
Consumer reviews are self-selected, not verified claim findings.
Trustpilot score text and badge conflict.
No verified J.D. Power score or identity-matched NAIC commercial index.
Sources do not identify issuer for a particular policy.

Questions to Ask

Which CNA company issues each policy in my state?
Which current forms, endorsements and exclusions apply?
How are claims contacts and service arrangements verified?

Disclosure

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market.

Sources

Best Insurance for Manufacturers in 2026 — NerdWallet; Published 2026-03-26; CNA manufacturer assessment, rating methodology and complaint discussion; accessed 2026-09-29.
2022 U.S. Independent Agent Satisfaction Study — J.D. Power; Official PDF CNA Financial row; direct inspection failed, so no score retained; accessed 2026-09-29.
NAIC Consumer Information Source company search — NAIC; Search instructions; no exact state/line/issuer result resolved; accessed 2026-09-29.
How to file a complaint and research complaints against insurance carriers — NAIC; Complaint indices depend on company, state, line, complaints and market premiums; accessed 2026-09-29.
CNA customer reviews — Trustpilot; Profile scores, counts and review distribution checked 2026-09-29; accessed 2026-09-29.
CNA Financial Corporation customer reviews — BBB; Long Term Care Insurance category, six reviews and dated complaints; accessed 2026-09-29.
CNA National Warranty Corporation Reviews — ConsumerAffairs; ConsumerAffairs vehicle service-contract and warranty page; August 7, 2026 reply from CNA National says it does not sell insurance; page shows 1.5/5 from 26 warranty reviews; reply concerns CNA National, not CNA commercial insurance; accessed 2026-09-29.
Warranty — CNA; CNA National wholly owned subsidiary and vehicle warranty products; accessed 2026-09-29.

Review Score

Not enough ratings

How this is calculated

Each eligible numerical review or satisfaction rating is converted to a score out of 10, then given equal weight. Duplicate source URLs count once. A rating with a stated source, entity, product, or population limitation may be excluded from the average while remaining visible as source evidence. BBB letter grades use a rough academic GPA conversion: A+/A = 10, A− = 9.25, B+ = 8.25, B = 7.5, B− = 6.75, C+ = 5.75, C = 5, C− = 4.25, D+ = 3.25, D = 2.5, D− = 1.75, F = 0. This is our approximation, not BBB’s formula. Complaint measures and missing ratings are excluded. Sources can cover different products, locations and years; this is a source-rating average, not a pooled customer score. Spot Score is shown separately.

Spot Score

No published assessment is available.

Spot’s editorial score is separate from customer reviews and third-party ratings. See the methodology.

Methodology

The baseline covers NerdWallet, J.D. Power, NAIC, Trustpilot, ConsumerAffairs, and BBB. Additional relevant sources may also appear. Platforms may cover different products, time periods, and groups of customers, and their metrics use different methods. The Review Score combines numerical ratings and approximate BBB grade conversions on a 10-point scale, with equal weight per source.

A BBB letter grade describes BBB’s view of a business; customer star ratings are a separate measure. An NAIC complaint index compares complaint volume with expected volume for a company’s size and is not a customer rating.

Reviewed: 2026-09-29

Materially updated: 2026-09-29

Review year: 2026

View CNA provider profile

Official website: CNA