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 Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 4,5,6
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Business Owner’s Policy page
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between CNA and Heffernan Insurance Brokers Business Owner’s Policy?
Custom package versus named coverage categories
Heffernan says its small-business division researches and builds custom packages, including for niches not listed on its page. CNA Connect names specific property and income exposures within its package and serves more than 600 small-business classes. If your business has unusual assets or activities, ask Heffernan which carrier terms support its custom design and ask CNA which listed categories and endorsements apply to your class. 7 2
Business size and placement role
Heffernan describes a small-business focus spanning sole proprietors through growing companies and presents itself as the insurance intermediary. CNA Connect is a carrier package with more than 300 optional endorsements and adjustable limits and deductibles. Confirm Heffernan’s proposed insurer and identify the limits, deductibles, and endorsements alongside CNA’s offer before comparing the customized package. 7 2
What Should You Confirm in CNA and Heffernan Insurance Brokers Business Owner’s Policy Quotes?
CNA and Heffernan Insurance Brokers 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 reviewsHeffernan Insurance Brokers Review Score
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsCNA vs Heffernan Insurance Brokers Business Owner’s Policy Compared
CNA vs Heffernan Insurance Brokers: Business Owner’s Policy: documented features by provider
| Criteria | CNA Connect Businessowners Policy | Heffernan Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. 7Company-reported. Small Business Insurance page description of the division and its BOP offering. |
| Issuing Insurer | Confirm in your quote. | The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. 7Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. 7Company-reported. Small Business Insurance page's eligibility and industry-list sections. |
| Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. 7Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there. |
| Limits and Retentions | Confirm in your quote. | The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. 7Not publicly disclosed. Checked the Small Business Insurance page on 2026-09-23. |
| Risk Services | Confirm in your quote. | Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. 7Company-reported. Small Business Insurance page description of the division's approach. |
Related Pages for CNA vs Heffernan Insurance Brokers
Business Owner’s Policy Pages for CNA and Heffernan Insurance Brokers
Other Coverage Lines Compared for CNA vs Heffernan Insurance Brokers
Other Business Owner’s Policy Provider Comparisons
Sources for CNA vs Heffernan Insurance Brokers Business Owner’s Policy
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.
Sources About Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Small Business Insurance. Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition. Accessed 2026-09-23.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
