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Last updated on Jun 24, 2019

CNA Business Insurance Review

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Delivering highly flexible insurance solutions and one-on-one service from local agents, CNA makes a terrific option for both main street businesses and Fortune 500 companies. As a commercial insurance specialist, the company offers business solutions few other insurers can match.

10 hours of research

17 insurance solutions offered

4 rating agencies consulted

CNA Business Insurance Review

While other leading insurance providers will split their focus between commercial and domestic sectors, CNA Financial focuses on commercial insurance. For more than 100 years, the company has provided business clients with a huge portfolio of insurance solutions from general liability to professional liability. Though its specialty seems geared toward larger businesses, it does offer policies that can fit the needs of mid-sized and smaller businesses.

The claim

“We can show you more” is the mantra that CNA lives by. While it may seem a little vague, there’s no denying the rather extensive portfolio of business insurance solutions it offers. Indeed, CNA can show potential clients quite a bit more than competing insurance providers — especially those that do not specialize entirely in commercial insurance.

Is it true?

One major distinction between CNA and most other commercial insurance providers: it doesn’t split its focus into the domestic sector. CNA’s focus is entirely on ensuring the coverage of commercial clients with insurance solutions and risk control resources. As a result, its repertoire of coverage is comparatively larger than the rest.

Even though CNA is classified by many outlets as a large commercial insurance provider, it does offer policies and coverage for businesses large and small. Furthermore, CNA offers risk control and emergency preparation resources, tools, and services designed to help you minimize or eliminate risks common to your business industry — a nice bonus that comes with choosing a specialty insurer.

CNA may well be able to show you more in the way of commercial insurance solutions. You just might not need it all depending on the size and nature of your business.

Product Overview

Best for

Anyone looking for a business insurance provider strictly for covering their commercial interest.

Not for

Business owners with smaller ventures that may not benefit from such an exhaustive amount of features and policies.


Price Quotes differ from person to person
In business since 1897
Standout features Solely focused on commercial insurance sector
Over 100 years of business insurance experience
24/7 claims support
Types of business coverage 17
A.M. Best FSR Rating A
A.M. Best ICR Rating a
Moody’s Rating A2

Strong business specialty

Unlike most major players in the insurance market, CNA does not split its focus between the consumer and commercial insurance sectors. Rather, it specializes solely in commercial property and casualty insurance, delivering the comprehensive insurance solutions businesses need to protect their financial viability against all kinds of risks.

Policies built for businesses of any size

As a commercial insurance specialist with more than 110 years of experience in the industry, CNA understands the needs of all kinds of businesses, both big and small. In fact, the insurer delivers specialized policies for all companies, from home-based businesses to multinational Fortune 500 companies.

Deep selection of add-on policy options

Alongside a standard business owner’s policy with comprehensive property and general liability coverage, CNA delivers virtually every major add-on coverage option out there, from errors and omissions liability coverage to business crime insurance, commercial auto coverage, and workers compensation insurance.

Possible drawbacks

Limited national support options

CNA policies are sold through affiliated agents located in cities and towns across the country. While many business insurance buyers are sure to appreciate the local one-on-one service from professional agents, note that CNA provides few options for national-level customer support aside from claims filing. Customers are directed to local agents for information about policies, to get general questions answered, or to manage a current policy.

Low-rating for small business insurance

While CNA business insurance covers smaller commercial clients, it’s worth noting that the company was ranked lowest in a J.D. Power 2017 U.S. Small Commercial Insurance Study in customer satisfaction. What’s more, CNA didn’t even make the list of the 2018 study.

The Competition

A.M. Best Financial Strength Rating
A.M. Best Issuer Credit Rating
Moody’s Rating Financial Strength Rating
Standard & Poor’s Financial Strength Rating

CNA vs. Allstate

Allstate offers decent coverage for business owners. However, it does not offer some specialized options like errors and omissions or personal and advertising injury liability. CNA offers both of these along with a bevy of other specialized coverages, making it more appealing to a wider variety of businesses.

CNA vs. Farmers

Farmers offers coverage packages for a variety of businesses. However, it does not offer discounted risk control courses or access to a library of risk control courses 24/7. Not only does CNA help protect your business, but it specializes in risk control in order to help sustain your commercial interests.

CNA vs. Progressive

Progressive offers a lot in the way of commercial auto insurance with coverage for hired auto, physical damage, uninsured motorist, and more. CNA offers many of the same policies however Progressive also includes risk solutions. These come in the form of Driver Distractions programs and Cargo Securement (to name a few).

CNA Business Insurance FAQ

What is the CNA School of Risk Control Excellence (SORCE)?

SORCE is a resource put together by CNA with the express purpose of reducing exposures, improving productivity, and helping a business’s bottom line. This program entails world-class training courses and an accessible library of tools, guides, checklists, webinars, and more.

What is CNA Connect?

CNA Connect is designed to help wholesale distributors by providing relevant coverage and higher limits on a single policy. This means access to a broad range of property and liability coverages in order to safeguard a commercial client’s future.

Does CNA offer Data Breach Liability?

Yes. CNA NetProtect Cyber Liability is offered in the event that your customer’s billing information and confidential data is compromised.

The Bottom Line

While other insurance providers will spread out into home and auto insurance, CNA is devoted entirely to businesses both large and small. That said, remember its customer satisfaction scores are lower than other small commercial insurance groups. This could be indicative of a greater emphasis on servicing larger businesses, and it’s worth taking into consideration you’re looking to insure a small business.

About the Authors

Brian Robson

Brian Robson Staff Writer

Brian Robson has worked on Reviews.com for three years and has studied the insurance market as well as elements of personal finance including credit cards and credit monitoring. His work spans all categories, but he specializes in finance and insurance pieces.