What Is Chubb?
Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. 1,2,3
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 5,6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
Key Differences in Builders Risk Insurance
Project-specific coverage choices
Chubb describes Individual Project and Master Programs, with physical-damage and delay-in-opening coverage among its options. CNA’s reviewed brochure names construction-project property damage and examples of causes, but does not describe those program structures. If a project needs coverage for delayed opening, ask whether that protection is available in the proposed form and what waiting period and sublimit apply. 4 9
Risk management and placement preparation
Chubb says its builders-risk practice offers loss-control and risk-consulting services, bundled or separately. CNA’s reviewed pages identify a marine product and example damage causes but say nothing about project consulting. If those services matter to the build, ask Chubb what its team would provide and request CNA’s named risk-control contact, if available. 4 9 8
What to Confirm in Builders Risk Insurance Quotes
Chubb and CNA Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Chubb Review Score
Review Score
5 rated sources
Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]
Read Chubb reviewsCNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsChubb vs CNA Builders Risk Insurance Compared
Chubb vs CNA: Builders Risk Insurance: documented features by provider
| Criteria | Chubb Builders' Risk Insurance | Builders Risk (Inland Marine) |
|---|---|---|
| Role in This Line | Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. 4Company-reported. Builders' Risk Insurance product page. | CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. 8Company-reported. The catalogue categories identify separate marketed products and do not determine which form fits a specific project. |
| Who It’s For | Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. 4Company-reported. Target clients section. | CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. 8Company-reported. The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project. |
| Coverage Features | Chubb offers Individual Project Builders Risk and Master Programs, difference-in-conditions coverage for selected construction projects, both physical-damage and delay-in-opening coverage, International Builders Risk for U.S. domestic clients, a portfolio of green endorsements, and contract-penalty coverage tied to a covered physical-damage loss. 4Company-reported. Coverage list; subject to the policy as issued. | CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. 8,9Company-reported. This is company marketing, not a coverage grant; policy wording and project facts control. The brochure gives natural-disaster, vandalism and theft as examples of project property damage the product is intended to address. 9Company-reported. The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms. |
| Limits and Retentions | Chubb says it offers capacity in a variety of positions, including primary, full limit, quota share, buffer and excess layer, but the reviewed page does not publish specific dollar limits. 4Not found in reviewed sources. Coverage list and Benefits section. | Confirm in your quote. |
| Risk Services | Chubb offers loss-control and risk-consulting services on both a bundled and unbundled basis, with underwriters averaging more than 20 years of builders-risk experience. 4Company-reported. Coverage list Benefits section. | Confirm in your quote. |
| How to Apply | Chubb says submissions should include a project description, statement of values, locations, limits and coverage requirements, plus a breakdown of soft costs, pro forma and period of indemnity if delay-in-opening coverage is requested. 4Company-reported. Submission requirements section. | Confirm in your quote. |
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Builders Risk Insurance Pages for Chubb and CNA
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Other Builders Risk Insurance Provider Comparisons
Sources for Chubb vs CNA Builders Risk Insurance
Sources About Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Builders' Risk Insurance. Chubb; Coverage list: Individual Project and Master Programs, DIC, physical damage and delay in opening, International Builders Risk; Target clients; Submission requirements. Accessed 2026-09-23.
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Inland & Ocean Marine Insurance. CNA; U.S. page, sections Inland Marine and Ocean Marine: Builders Risk listed among inland products and Hull Builders Risk among ocean products; page retrieved through official-site search 2026-09-30. Accessed 2026-09-30.
- Marine Capabilities Brochure. CNA; Additional Offerings section: Builders Risk for construction projects with property damage from named examples; brochure product overview, not policy wording. Official document retrieved 2026-09-30. Accessed 2026-09-30.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
