CNA vs 
Harper: How Do They Compare for Commercial Auto 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 Harper Insurance?
Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. 5,6
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 9,10,11,12
Key Differences in Commercial Auto Insurance
General Business Vehicles or Transportation Operations
CNA's published liability scope includes owned, hired and non-owned vehicles used for business. Harper centers its placement practice on freight carriers, trucking companies, passenger transport and specialized operators, and separates third-party auto liability from collision and comprehensive physical damage. A transport company may need to distinguish vehicle liability from damage to its fleet; Harper's stated focus makes that division explicit, while CNA's page gives broader vehicle categories. 4 7 7
Proof of Insurance and Buying Route
Harper says it can provide proof-of-insurance documents for FMCSA operating-authority requirements and accepts a transportation-specific intake. CNA names claims support and driver/cargo programs, but the cited record directs buyers through CNA's commercial-auto information rather than describing Harper's transport intake. Ask both how quickly certificates are issued and whether cargo-related needs are separate from auto. 7 8 4
What to Confirm in Commercial Auto 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 reviewsHarper
Review Score
No reviews found
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper reviewsOffering Details
CNA vs Harper: Commercial Auto Insurance: documented features by provider
| Criteria | CNA Commercial Auto | Harper Commercial Auto Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. 7,8Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. 7,8Not publicly disclosed. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically. |
| Who It’s For | Confirm in your quote. | Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. 7Company-reported. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list. |
| Coverage Features | CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. 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 auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. 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 auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. 7,8Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts. |
| Limits and Retentions | Confirm in your quote. | Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. 8,7Not publicly disclosed. Checked the homepage and transportation industry page on 2026-09-23. |
| Risk Services | CNA names Driver Distractions/Cargo Securement programs and claims support. 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 auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. 7Company-reported. Transportation industry page 'Why Harper' section. |
| How to Apply | Confirm in your quote. | You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. 8,7Company-reported. Homepage and transportation industry page quote-intake forms. |
Full Comparison
More CNA vs Harper Comparisons
Other Commercial Auto 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 Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Transportation Insurance. Harper; Know your coverage: What is Transportation insurance?; Commercial Auto Liability, Cargo Protection, Physical Damage, Certificates callouts; Who this is for; Why Harper (Transportation Expertise, Fast Proof for Authority, Clear Simple Guidance). Accessed 2026-09-23.
- Harper Homepage. Harper; What we cover: 'Commercial auto insurance — One work truck or a full fleet, with coverage limits your contracts accept.'; quote-intake checkbox 'Work vehicles (commercial auto)'. Accessed 2026-09-23.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
