CNA vs Harper: How Do They Compare for Builders Risk Insurance?

CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. ⁴Company-reported. The catalogue categories identify separate marketed products and do not determine which form fits a specific project.

Harper places builders risk as one piece of its Construction & Contractors insurance package, describing itself as calling every market that writes construction and presenting the options back, rather than underwriting the coverage itself. ⁸Company-reported. Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page.

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The reviewed pages do not name the insurer or insurers that would issue a builders risk policy Harper places; the industry page refers only to 'every market that writes construction' without listing carriers. ⁸Not publicly disclosed. Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy.

CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. ⁴Company-reported. The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project.

Harper says Construction & Contractors coverage, including builders risk, is for general contractors managing subs, specialty trades such as roofing, framing, electrical, plumbing and HVAC, remodelers and handymen, residential and commercial builders, and construction managers. ⁸Company-reported. Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline.

CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. ^4,5Company-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. ⁵Company-reported. The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms.

Harper describes builders risk as covering the structure, materials and fixtures of a project from ground break to handover, alongside jobsite liability and the certificates a project requires to start. ^8,9Company-reported. Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms.

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Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually across multiple markets. ⁸Not publicly disclosed. Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found.

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Harper says it writes certificates of insurance with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording the same day a contract calls for it, and checks subcontractors' certificates so their risk does not become the general contractor's. ⁸Company-reported. Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs.

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Harper says it takes one application for construction risk, including builders risk, and quotes it across every market it says writes construction, admitted where pricing allows and excess-and-surplus lines when the work demands it. ⁸Company-reported. Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named.