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CNA Business Insurance Review and Quotes

Chad Brooks
Chad Brooks

With more than 120 years of experience, CNA is one of the largest U.S. commercial property and casualty insurance companies in the country. CNA provides a wide range of standard and specialized property and casualty insurance plans to more than 1 million businesses and professionals in the U.S.

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CNA Business Insurance and Quotes

The Verdict

CNA offers numerous insurance options for small businesses, including specific liability policies. Because of this wide selection, CNA is our choice as the best business liability insurer for multiple liability policies.

CNA offers a large selection of liability insurance on top of its general liability policies. This includes management, employment practices, cyber, media, professional and fiduciary liability. While your small business might not need all of these policies, it helps to know you have these options – which is one of the reasons CNA is our choice as the best business insurer for multiple liability policies.

In addition to its liability coverage, CNA provides businesses of all sizes with any other types of insurance they may need, including property insurance, commercial auto insurance, umbrella policies and workers’ compensation.

CNA also has a smooth claims process. Claims can be filed in numerous ways 24/7.  Once a claim has been filed, you are assigned an adjuster in your region who has experience with your specific type of claim.

Types of Insurance

CNA gives businesses numerous liability insurance options. At the center of this is general liability. Typically, CNA offers general liability insurance as part of its business owner policy. Called CNA Connect, this policy combines general liability insurance with other types of coverage small businesses may need, including property, business income and equipment breakdown insurance.

With its general liability insurance, coverage of up to $2 million for a single incident and $4 million for all incidents is available.

CNA also offers various forms of management liability insurance, including employment practices liability, which covers employers from employee claims alleging discrimination, wrongful termination and harassment. Coverage of up to $500,000 is available for employment practices liability insurance.

These are some other types of liability insurance CNA offers:

  • Cyber liability: This covers financial losses resulting from data breaches and other cyberattacks.
  • Media liability insurance: This is best for companies with a significant online presence. It covers media-related risks such as defamation, libel, slander, emotional distress, copyright infringement, plagiarism and misleading advertising.
  • Professional liability: Also known as errors and omissions (E&O), this type of coverage protects service providers from mistakes they make during the performance of their duties.
  • Fiduciary liability: Designed for businesses that sponsor employee retirement plans, this covers claims of mismanagement of a company’s benefit plans.

For miscellaneous professional liability and technology E&O, CNA provides policies that can cover up to $5 million in damages.

Rates for each liability product are based on the unique drivers of exposures of that type of insurance, the type of business being insured and the location of the business, among other factors. For example, when determining rates for your general liability, CNA may consider how many square feet your business occupies, your revenue, type of business, location of business and number of employees.

Other Types of Insurance

What helps make CNA such an appealing insurance provider is that, in addition to its liability offerings, it can provide businesses with a wide range of other coverage. One of the more important types for small business owners is business interruption insurance, which covers lost business income in the event of property loss through a fire, flood or other weather-related incident.

Property insurance is also available. It covers all of the physical property your business owns, including the building itself, the equipment inside, inventory, tenant improvements and betterments, and off-premises property. Commercial auto, crime, international and marine insurance are among the other types CNA can provide to small businesses.

Umbrella policies, with coverage up to $10 million, are also available to small businesses. Higher limits are available to larger companies.

CNA offers workers’ compensation insurance too. The rates are usually determined by rating bureaus such as NCCI or independent state rating bureaus and approved by the individual state departments of insurance. However, CNA has some ability to deviate from these regulated rates based on your company’s overall loss experience, business type and location.

Claims Process

Policyholders can file claims 24/7/365 by phone, fax, email or online form. CNA has regional offices throughout the U.S., Canada and Europe, with claim professionals who provide expertise and specialize not only by type of business, but also by claim type and severity. During the claims process, CNA leverages advanced analytics and technology to ensure it has the right people performing the right tasks throughout the process.

Customers have access to a number of in-house resources, including litigation counsel, special investigations and recovery. The special investigations unit can identify, investigate and pursue fraud, leveraging predictive models and machine learning to help resolve claims.

The company’s recovery services team pursues recovery opportunities against parties who were responsible for any losses. They use predictive analytics tools and dedicated resources to identify areas of recovery and reduce costs, which can result in lower premiums.

For workers’ compensation claims, CNA’s process is designed to help customers manage and save on medical costs, reduce medication usage, and return employees to work as soon as medically possible. CNA has a preferred provider network and a dedicated pharmacy team. The company’s First Fill Program covers the cost of an employee’s first prescription with no out-of-pocket expense at more than 70,000 pharmacies nationwide.

One unique aspect of CNA’s workers’ compensation coverage is its Choices to Work Program, which offers employees several options for returning to work. For example, if the employer cannot offer a slower pace or easy transition, the Choices to Work Program identifies a local volunteer organization to send the employee to. This helps keep employees engaged and focused on what they can do rather than what they can’t.

Customer Service

CNA lets you get an immediate quote on its website. After indicating the type of coverage you are looking for, you answer several questions about your business, its location and your employees. You receive a rate quote as soon as you answer the questions.

The CNA website also features several ways to connect with a local agent. You can search for one by location, or you can fill out some information about your business to be matched with an agent who can best serve your needs. You can contact CNA directly by phone or email.

CNA is an accredited member of the Better Business Bureau with an A+ rating. Over the past three years, only 15 complaints have been filed against the company. That is significantly fewer than many of the insurance companies we looked into.

Editor’s note: Need business liability or workers’ compensation insurance for your business? Fill out the below questionnaire to have our vendor partners contact you with free information.

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CNA Business Insurance and Quotes

The Verdict

CNA offers numerous insurance options for small businesses, including specific liability policies. Because of this wide selection, CNA is our choice as the best business liability insurer for multiple liability policies.

Chad Brooks
Chad Brooks
Staff Writer
Chad Brooks is a writer and editor with more than 20 years of media of experience. He has been with Business News Daily and for the past decade, having written and edited content focused specifically on small businesses and entrepreneurship. Chad spearheads coverage of small business communication services, including business phone systems, video conferencing services and conference call solutions. His work has appeared on The Huffington Post,,, Live Science, IT Tech News Daily, Tech News Daily, Security News Daily and Laptop Mag. Chad's first book, How to Start a Home-Based App Development Business, was published in 2014.