CNA vs 
Harper: How Do They Compare for General Liability Insurance?
Harper sends one application to multiple insurers and says a specialist reviews the business; it targets hard-to-place or previously declined businesses and notes many contracts start at $1 million per claim. CNA identifies size-based solutions and industry-specific underwriting support. Harper’s stated process may matter when a prior declination complicates a certificate request. 4,7
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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Eligibility and Buying Route
Harper sends one application to multiple insurers and says a specialist reviews the business; it targets hard-to-place or previously declined businesses and notes many contracts start at $1 million per claim. CNA identifies size-based solutions and industry-specific underwriting support. 7 4 Harper’s stated process may matter when a prior declination complicates a certificate request. 4
Contract Limits and Certificates
Harper describes bodily injury, property damage and legal defense, including groundless claims, and says it can issue a certificate the same day once a policy is in force. CNA describes covered third-party bodily injury/property damage and names industry-specific claims professionals. 7 4 The proposal should show the actual limit and certificate timing. 4
What to Confirm in General Liability Insurance Quotes
CNA and Harper 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 reviewsHarper Review Score
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 reviewsCNA vs Harper General Liability Insurance Compared
CNA vs Harper: General Liability Insurance: documented features by provider
| Criteria | CNA Commercial General Liability | Harper General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. 7Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. |
| Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. 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 GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. 7Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. |
| Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or 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 GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 7Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. |
| Limits and Retentions | Confirm in your quote. | Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. 7Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. |
| Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. 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 GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. 7Company-reported. Product-page service claim; not independently timed or confirmed for a particular request. |
| How to Apply | Confirm in your quote. | You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 7Company-reported. Quote form and FAQ observed on the product page. |
| Claims Support | Confirm in your quote. | The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. 7Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically. |
Related Pages for CNA vs Harper General Liability Insurance
General Liability Insurance Pages for CNA and Harper
Other Coverage Lines Compared for CNA vs Harper
Other General Liability Insurance Provider Comparisons
Sources for CNA vs Harper General Liability Insurance
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.
- Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
Sources About 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.
- General Liability Insurance. Harper; Product hero; Know your coverage: What is General Liability insurance?; Bodily injury, Property damage, Legal defense, Certificates on demand; Why Harper (specialist review, multiple insurers, same-day certificates); FAQ: Is general liability required by law?, What limits do I need?, What does it cost? Accessed 2026-09-23.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
