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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 8,9
What Are the Key Differences Between CNA and Harper Inland Marine Insurance?
Equipment focus and combined placement
CNA’s inland-marine list includes builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. Harper’s description is organized around equipment that leaves the premises: owned items in transit or at jobsites, plus rented or borrowed equipment for which the business is responsible. A buyer should compare the actual property schedule, particularly if the exposure includes specialized property beyond tools and equipment. 4 7
Equipment schedules and carrier placement
Harper places the coverage within an Equipment Insurance product alongside owned-equipment property coverage and equipment breakdown, and says buyers submit an equipment list for its team to price across insurers. CNA describes tailored solutions backed by dedicated underwriting, risk-control and claims specialists. Harper does not publish limits or valuation amounts in the reviewed page; ask both providers how rented items, location changes and valuation are treated in the proposed wording. 4 7
What Should You Confirm in CNA and Harper Inland Marine 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 Inland Marine Insurance Compared
CNA vs Harper: Inland Marine Insurance: documented features by provider
| Criteria | CNA Inland Marine | Harper Equipment and Inland Marine Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Harper places inland marine coverage as part of a combined 'Equipment Insurance' product it sells alongside owned-equipment property coverage and equipment breakdown, rather than as a separately named standalone product page. 7Company-reported. Harper's equipment product page, the only page found for this line; the coverage directory and intake form separately label the same coverage 'tools and equipment that leave the shop (inland marine).' |
| Who It’s For | CNA lists builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper targets this coverage at businesses whose equipment or tools travel to jobsites or client locations rather than staying inside one building, since it frames the product around the gap left when equipment leaves the premises. 7Company-reported. Product-page framing; not an eligibility guarantee for a particular applicant or equipment type. |
| Coverage Features | CNA Inland Marine addresses accounts receivable, buildings under construction, medical equipment, EDP, fine art and mobile property. 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper describes the inland marine portion of this product as covering equipment while it is in transit or on a jobsite, which it says standard property policies typically exclude once equipment leaves the business's premises. 7Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says it can also place coverage for rented or borrowed equipment a business is responsible for but does not own, in addition to owned equipment in transit or on site. 7Company-reported. Product-page coverage-features list; availability and terms depend on the insurer and underwriting. |
| Limits and Retentions | Confirm in your quote. | The reviewed equipment page does not publish limit or valuation amounts for inland marine coverage; it says pricing and available terms depend on equipment values and where the equipment travels. 7Not publicly disclosed. Equipment product page as read on 2026-09-23. |
| Risk Services | CNA says tailored marine solutions are backed by dedicated underwriting, risk control and claims specialists. 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | You apply by sending Harper an equipment list through its online quote form, which it says it prices across insurers willing to write that equipment. 7Company-reported. Quote form and FAQ observed on the product page. |
Related Pages for CNA vs Harper Inland Marine Insurance
Inland Marine Insurance Pages for CNA and Harper
Other Coverage Lines Compared for CNA vs Harper
Other Inland Marine Insurance Provider Comparisons
Sources for CNA vs Harper Inland Marine 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.
- Inland & Ocean Marine Insurance | CNA Insurance. CNA; Inland Marine and Ocean Marine coverage sections. 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.
- Equipment Insurance. Harper; Product hero; Know your coverage: What is Equipment insurance?; Owned equipment, Equipment in transit and on site (inland marine), Equipment breakdown, Rented and borrowed equipment; Why Harper; FAQ: Is my equipment covered on a jobsite?, Breakdown versus damage: what is the difference?, What does it cost? Accessed 2026-09-23.
Sources for the Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
