CNA vs Nationwide: Commercial Crime Insurance

What Are the Key Differences Between CNA and Nationwide Crime Insurance?

Offering Structure and Distribution

Nationwide’s cited overview gives a product label and directs prospects to an agent or quote request, but does not itemize crime agreements, limits or exclusions. CNA’s cited line claim also does not enumerate those terms. The available evidence supports comparing each product’s place in the liability lineup and asking for the forms; it does not establish that either one responds to a particular fraud loss. [3] [4]

Coverage Detail and Buyer Fit

CNA states that its management-liability application route for agents is Agent Center. Nationwide describes underwriting review but its page does not establish a quote or binding timeline. For either provider, a general product page is not enough to evaluate employee theft, altered payment instructions, discovery triggers or deductible. Review the issued carrier and declarations along with the actual wording. [3] [4]

What Should You Confirm in CNA and Nationwide Crime Insurance Quotes?

Ask Nationwide for the crime form and insurer proposed for your organization; ask CNA which crime part and issuing entity apply to the Epack 3 quote. [3] [4]
Compare the same employee-theft and funds-transfer examples against insuring agreements, exclusions, limits and retentions. [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 ↗

Nationwide

role: Nationwide describes offering crime for the audience stated on the cited product page. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
eligibility: Commercial organizations considering management-liability products; page describes product options and underwriting review. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
coverage: The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

CNA describes crime as a named Management Liability coverage and says Epack 3 can combine selected parts; Nationwide’s reviewed commercial-liability page also names crime insurance among its product options.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
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
04
Commercial Liability Products | Nationwide
Nationwide · Crime section; products list within management-liability specialty. · accessed 2026-09-30
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
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
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