CNA vs Liberty Mutual: Commercial Crime Insurance

Both place crime in a management liability policy. CNA's Epack 3 is modular, so you choose which parts to combine; Liberty Mutual's ProShield is one package policy for private and nonprofit organizations.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

CNA says Epack 3 can flexibly combine selected management-liability exposures; Liberty Mutual describes ProShield as one package policy combining management-liability coverages, including crime, for private and nonprofit organizations.

What Are the Key Differences Between CNA and Liberty Mutual Crime Insurance?

Offering Structure and Distribution

The package descriptions suggest different configuration questions. CNA characterizes its policy as modular, while Liberty Mutual says ProShield combines multiple coverages in one package and is designed to reduce the need for separate endorsements. Neither description establishes which parts are mandatory on a particular quote or how the policies coordinate with existing coverage. [3] [4]

Coverage Detail and Buyer Fit

Liberty Mutual’s page specifically lists employee dishonesty, embezzlement, safe burglary and computer fraud alongside other crime exposures and selected enhancements. CNA’s reviewed crime claim establishes the line listing but does not itemize matching triggers. Both records describe an organization audience, but eligibility still depends on underwriting and policy terms. [3] [4]

What Should You Confirm in CNA and Liberty Mutual Crime Insurance Quotes?

  • Ask Liberty Mutual which ProShield crime enhancements are included by default and ask CNA to show the selected Epack 3 coverage parts. [3] [4]
  • Compare the employee-dishonesty, burglary and computer-fraud wording and identify any separate endorsements, sublimits or deductibles. [3] [4]

Crime coverage

CNA

  • coverage: CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. The product page establishes a marketed option, not that all component lines must be purchased together.company-reportedSource ↗
  • eligibility: CNA describes management-liability risks for private and public companies and not-for-profit organizations. This is broad segment context, not a crime-specific acceptance rule.company-reportedSource ↗
  • application: CNA directs agents seeking an application to its Agent Center. The page does not state that a business can apply directly or identify all documents required for crime coverage.company-reportedSource ↗
  • role: CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone.company-reportedSource ↗

Liberty Mutual

  • role: Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • services: Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 03
    Management Liability Insurance and Professional Liability

    CNA · Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. · accessed 2026-09-30

  4. 04
    ProShield

    Liberty Mutual Business Insurance · Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. · accessed 2026-09-29

  5. 05
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  6. 06
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  7. 07
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

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