CNA vs 
Gallagher: How Do They Compare for Commercial Property Insurance?
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 Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 5,6,7,8,9
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 12,13,14
Key Differences in Commercial Property Insurance
What the Property Description Includes
Gallagher describes coverage for stolen, lost or damaged buildings, equipment and store fixtures after events such as fire, windstorm or break-in. It arranges coverage through partner carriers and recommends it to businesses with buildings, tools, inventory or other valuable assets. CNA describes a broader placement menu, from admitted or non-admitted to layered, excess and quota-share structures. Compare Gallagher's small-business asset categories with CNA's tier and placement options for a larger schedule. 10 10 4
Valuation, Prevention and Quote Support
CNA names sprinkler review and business-continuity planning. Gallagher routes buyers to an advisor form; its larger property practice lists appraisal services, although those are not tied specifically to the small-business product. Ask how values are assessed and which services apply to your account. 4 10 11
What to Confirm in Commercial Property Insurance Quotes
Review Scores
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
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 reviewsGallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsOffering Details
CNA vs Gallagher: Commercial Property Insurance: documented features by provider
| Criteria | CNA Commercial Property | Gallagher Small Business Building & Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher Small Business arranges building and property insurance with partner carriers rather than underwriting it; its larger property practice separately brokers property programs with underwriters for bigger accounts. 10,11Company-reported. Small-business product page and the group-level property practice page. |
| Issuing Insurer | Confirm in your quote. | The buildings-and-property product page does not name the insurer that would issue a given business's policy. 10Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23. |
| Who It’s For | CNA identifies Connect for small, Paramount for midsize and Touchstone for large property risks. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Gallagher recommends this coverage for businesses that own or rent a building, store or office, own or rent expensive equipment or tools, hold inventory, or depend on other valuable business assets. 10Company-reported. Product page "Do you need Building and Property Coverage?" list; actual acceptance depends on underwriting. |
| Coverage Features | CNA describes admitted/non-admitted and primary, buffer, excess, quota-share or shared/layered placement options. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Gallagher describes building and property coverage as paying to repair or replace stolen, lost or damaged business property, including the building, equipment and store fixtures, after events such as fire, windstorm or a break-in. 10Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher notes that commercial landlords insure their own building but not a tenant's property inside it, and that most small-business lenders require proof of commercial property insurance for the life of a mortgage. 10Company-reported. Product page context; specific lender or landlord requirements vary by lease and loan agreement. |
| Limits and Retentions | Confirm in your quote. | The buildings-and-property product page does not publish limits, deductibles or premiums; it routes buyers to an advisor inquiry form instead. 10Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23. |
| Risk Services | CNA identifies sprinkler review and business-continuity planning by property risk-control professionals. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Gallagher's group-level property practice lists appraisal services and global program placement among its property offerings, though these are described at the practice level rather than tied to the small-business product page. 11Company-reported. ajg.com property practice page; not confirmed as included in every small-business placement. |
| How to Apply | Confirm in your quote. | Gallagher's buildings-and-property page routes buyers to a Connect With An Advisor form asking for company details, business description, additional coverage interests, employee count and annual revenue. 10Company-reported. Product page inquiry form, inspected without submission. |
Full Comparison
More CNA vs Gallagher Comparisons
Other Commercial Property Insurance Comparisons
Sources
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.
- Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Buildings and Property. Gallagher Small Business; Coverage Overview; Do you need Building and Property Coverage?; Connect With An Advisor form, including Additional Coverage Areas checklist. Accessed 2026-09-23.
- Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder's risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
