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 Medical Malpractice Insurance?
Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. 8,9,10,11
Key Differences in Medical Malpractice Insurance
Facility and Practice Coverage
CNA lists medical professional liability across facilities and providers, including outpatient classes, and describes primary options with excess or umbrella towers. Harper says its placements can cover clinicians and the practice or facility entity itself, and serves clinicians who need proof for licensing or privileges. If you operate a practice, check that the proposal names both the clinicians and organization that need protection. 4 7
Claims-Made Continuity
Harper says most policies it places are claims-made, making the retroactive date and tail coverage relevant when clinicians change jobs, retire, or switch carriers. CNA describes a healthcare claims team with medical-malpractice litigation experience, but the reviewed record does not establish its policy form. Compare the form and retroactive date directly; a tail extends the time to report certain claims after a claims-made policy ends. 7 4
What to Confirm in Medical Malpractice 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 Medical Malpractice Insurance Compared
CNA vs Harper: Medical Malpractice Insurance: documented features by provider
| Criteria | CNA Healthcare Professional Liability | Harper Medical Malpractice Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. 7Company-reported. Product-page description of Harper's placement role for this line. |
| Who It’s For | CNA lists medical professional liability for healthcare facilities and providers, including outpatient classes such as ambulatory surgery, dialysis, clinics and home health. 4Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability for listed facilities/providers Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class. | Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. 7Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty. |
| Coverage Features | CNA describes primary professional liability options and separate excess/umbrella towers for healthcare accounts. 4Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class. | Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. 7Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. 7Company-reported. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. 7Not publicly disclosed. Medical malpractice product page as read on 2026-09-23. |
| Risk Services | CNA describes consultative risk-control assessments and training for healthcare customers. 4Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare professional liability risk-control services Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Service description does not alter policy coverage. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class. | Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. 7Company-reported. Product-page service claims; not independently timed or confirmed for a particular request. |
| How to Apply | Confirm in your quote. | You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. 7Company-reported. Quote form and FAQ observed on the product page. |
| Claims Support | CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. 4Company-reported. Entity: CNA brand; underwriting company may vary Product: Healthcare professional-liability claims service Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company-reported staffing/experience; not an outcome or service-level guarantee. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class. | Confirm in your quote. |
Related Pages for CNA vs Harper Medical Malpractice Insurance
Medical Malpractice Insurance Pages for CNA and Harper
Other Coverage Lines Compared for CNA vs Harper
Other Medical Malpractice Insurance Provider Comparisons
Sources for CNA vs Harper Medical Malpractice 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.
- Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. 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.
- Medical Malpractice Insurance. Harper; Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost? Accessed 2026-09-23.
Sources for the Medical Malpractice Insurance Guide
- Medical Malpractice Insurance. National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
- Medical Liability Insurance shopping guide. Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
- Physicians Medical Professional Liability — Specimen Policy. Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16.
- Physician Application. MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16.
