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. 1,2,3
What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between CNA and Embroker Business Owner’s Policy?
Gaps and endorsements
Embroker describes property, third-party liability, and business interruption, while identifying cyberattacks, professional liability, employment claims, workers’ compensation, and auto as outside the base package or requiring other coverage. It also describes several endorsements and separate policies. CNA Connect offers more than 300 optional endorsements. Match each needed protection to a named endorsement or separate policy instead of assuming it is included. 7 2
Eligibility and quote access
Embroker targets businesses with fewer than 100 employees, less than $10 million in revenue, and a physical location, while CNA says CNA Connect serves more than 600 small-business classes. Embroker uses an online BOP quote platform; CNA’s claim describes class breadth rather than a specific quote route. Ask whether your revenue, employee count, and location fit Embroker before comparing policy options. 7 2
What Should You Confirm in CNA and Embroker Business Owner’s Policy Quotes?
CNA and Embroker 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.
CNA 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 reviewsEmbroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsCNA vs Embroker Business Owner’s Policy Compared
CNA vs Embroker: Business Owner’s Policy: documented features by provider
| Criteria | CNA Connect Businessowners Policy | Embroker Business Owners Policy |
|---|---|---|
| Role in This Line | Confirm in your quote. | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. 7Company-reported. Product-page description of the bundle; not a statement about the issuing insurer. |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. 7Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all. |
| Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. 7Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. 7Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. 7Company-reported. FAQ section; specific endorsement availability depends on underwriting. |
| Risk Services | Confirm in your quote. | The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. 7Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere. |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. 7Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. |
Related Pages for CNA vs Embroker Business Owner’s Policy
Business Owner’s Policy Pages for CNA and Embroker
Other Coverage Lines Compared for CNA vs Embroker
Other Business Owner’s Policy Provider Comparisons
Sources for CNA vs Embroker Business Owner’s Policy
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.
Sources About Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Business Owners Policy. Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? Accessed 2026-09-23.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
