CNA vs Gallagher: General Liability Insurance

What Are the Key Differences Between CNA and Gallagher General Liability Insurance?

Eligibility and Buying Route

Gallagher Small Business arranges general liability with partner carriers rather than underwriting it. CNA identifies GL solutions by company size and describes industry-specific underwriting, risk control and claims professionals. [3] [2] A buyer can compare Gallagher’s partner-carrier placement with CNA’s underwriting and service model. [2]

Defense Costs and Claims

Gallagher lists investigation and defense costs, court costs, settlements or judgments, judgment interest, third-party medical expenses and bond premiums. CNA’s reviewed summary describes amounts owed for covered bodily injury or property damage but does not itemize those expenses. [3] [2] Compare which costs are inside limits and how each insurer handles defense. [2]

What Should You Confirm in CNA and Gallagher General Liability Insurance Quotes?

• Ask Gallagher which partner carrier would issue the policy and provide the form. [3]

• Ask CNA which segment and claims professionals would service your account. [2]

• Ask Gallagher which defense and investigation expenses share the liability limit. [3]