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. 5,6,7
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Commercial Property Insurance page
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 8,9,10
Key Differences in Commercial Property Insurance
Placement Options and Policy Specificity
CNA identifies Connect, Paramount and Touchstone for small, midsize and large property risks and describes admitted/non-admitted and layered structures. Heffernan arranges property with insurers, but its overview does not specify insuring agreements, limits or exclusions. Buyers with larger schedules can discuss CNA's tier and placement options; Heffernan's proposal must establish the actual carrier form and terms. 4 4 7 7
Risk and Claims Services
CNA specifically names sprinkler review and continuity planning by property professionals. Heffernan describes claims services, loss control, HR consulting and risk assessment across its business-insurance clients and also discusses large-deductible and captive arrangements. Ask which services apply directly to property and whether an alternative risk structure fits the account. 4 7
What to Confirm in Commercial Property Insurance Quotes
Review Scores
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
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
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 reviewsOffering Details
CNA vs Heffernan Insurance Brokers: Commercial Property Insurance: documented features by provider
| Criteria | CNA Commercial Property | Heffernan Commercial Property Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | Heffernan lists commercial property insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial auto and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. 7Company-reported. Business Insurance page's basic-coverages list. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for commercial property on the reviewed page; the issuing carrier would appear on the quote and declarations. 7Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Who It’s For | CNA identifies Connect for small, Paramount for midsize and Touchstone for large property risks. 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 property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| Coverage Features | CNA describes admitted/non-admitted and primary, buffer, excess, quota-share or shared/layered placement options. 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 property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The business insurance page lists commercial property as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. 7Company-reported. Business Insurance page's basic-coverages list, a single-line mention. |
| Limits and Retentions | Confirm in your quote. | The business insurance page does not publish limits, deductibles or premium ranges for commercial property coverage. 7Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Risk Services | CNA identifies sprinkler review and business-continuity planning by property risk-control professionals. 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 property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Heffernan says clients arranging its business insurance coverages, including commercial property, get access to its claims services, loss control, HR consulting, and risk management and assessment services. For buyers focused on total cost of risk, it also describes loss-sensitive and alternative risk arrangements such as self-insurance, large deductibles and captive insurance. 7Company-reported. Business Insurance page's services and alternative-risk paragraphs, described at the whole business-insurance-program level rather than specific to commercial property. |
| How to Apply | Confirm in your quote. | The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial property. No separate online quoting flow specific to commercial property is described. 7Company-reported. Business Insurance page contact call to action. |
Full Comparison
More CNA vs Heffernan Insurance Brokers Comparisons
Other Commercial Property Insurance Comparisons
Sources
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 Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
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 for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; loss-sensitive and alternative risk arrangements including captives. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
