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 Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Payroll Classification Before Binding
Harper says it sorts payroll into job or class codes before binding, because insurers price workers’ compensation by classification and misclassification can produce a large audit bill. CNA’s reviewed record describes benefits, claims experience and risk-control resources, but not a comparable pre-bind classification review. For an employer with mixed job duties, Harper’s process makes payroll detail an explicit placement step; ask CNA what payroll and job-class information its application requires. 7 4
Injury Prevention and Return to Work
CNA describes safety information, training and risk-control programs for return-to-work strategies. Harper explains benefits and employer liability but emphasizes classification and quote placement rather than a safety program. This difference helps separate premium setup from injury-management services; neither record establishes the exact services or cost available to a particular account. 4 7
What to Confirm in Workers’ Compensation 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 Workers’ Compensation Insurance Compared
CNA vs Harper: Workers’ Compensation Insurance: documented features by provider
| Criteria | CNA Workers’ Compensation | Harper Workers Compensation Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. 7Company-reported. Workers compensation page introduction and 'Why Harper' section. |
| Issuing Insurer | Confirm in your quote. | The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. 7Not publicly disclosed. Checked the workers compensation page on 2026-09-23; no carrier is named for this line. |
| Who It’s For | Confirm in your quote. | Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. 7Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'. |
| Coverage Features | CNA workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. 7Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope. |
| Limits and Retentions | Confirm in your quote. | Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. 7Not publicly disclosed. Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote. |
| Risk Services | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says its dedicated claims team averages 20 years of workers’ compensation experience. 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 workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. 7Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome. |
| How to Apply | Confirm in your quote. | You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. 7Company-reported. Workers compensation page quote form and 'Why Harper' process steps. |
Related Pages for CNA vs Harper Workers’ Compensation Insurance
Workers’ Compensation Insurance Pages for CNA and Harper
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Other Workers’ Compensation Insurance Provider Comparisons
Sources for CNA vs Harper Workers’ Compensation 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.
- Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. 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.
- Workers Compensation Insurance. Harper; Know your coverage: What is Workers Compensation insurance?; Medical costs, Lost wages, Rehabilitation, Employer's liability; Why Harper; FAQs on when coverage is required, what the audit looks like, and pricing. Accessed 2026-09-23.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
