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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 5,6,7
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 9,10,11,12
What Are the Key Differences Between CNA and HUB International Cargo and Transit Insurance?
Transit-only versus stock through delivery
HUB describes marine cargo for loss or damage while freight moves by land, sea, or air, and separately describes stock throughput spanning manufacturing through final delivery. CNA Ocean Cargo describes goods moving from inland origin through final inland destination with water, air, and connecting transit. A company holding goods before shipment may need the broader stock-throughput period; ask how each quote treats inventory at each stage. 8 4
Specialist placement
HUB’s dedicated marine practice serves cargo and logistics businesses and directs prospects to a marine specialist to arrange coverage. CNA lists incidental storage and exhibition or consignment options and provides a policy portal for agents and policyholders. Ask HUB which carrier and stock-throughput form it can place; ask CNA whether the options fit your storage interval and claim administration needs. 8 4
What Should You Confirm in CNA and HUB International Cargo and Transit Insurance Quotes?
CNA and HUB International 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 reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsCNA vs HUB International Cargo and Transit Insurance Compared
CNA vs HUB International: Cargo and Transit Insurance: documented features by provider
| Criteria | CNA Ocean Cargo | HUB International Marine Cargo Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. 8Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. 8Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Confirm in your quote. | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. 8Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region. |
| Coverage Features | CNA Ocean Cargo describes insured goods moving from inland origin through final inland destination, including water/air and connecting transit. 4Company-reported. Entity: CNA brand; underwriting company varies Product: Ocean Cargo Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage. CNA lists cargo options for domestic/foreign transit, incidental storage, exhibition/consignment and related extensions. 4Company-reported. Entity: CNA brand; underwriting company varies Product: Ocean Cargo Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Options and applicability depend on terms and selection. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage. | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Confirm in your quote. | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. 8Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | CNA describes CNACargo.com for agents and Ocean Cargo policyholders to manage policies, issue certificates and locate claims-settling agents; dedicated cargo claims specialists handle claims worldwide. 4Company-reported. Entity: CNA brand; underwriting company varies Product: Ocean Cargo application and claims services Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Company-reported digital/service description; availability/contract terms vary. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. 8Company-reported. Product-page call to action as read 2026-09-23. |
Related Pages for CNA vs HUB International Cargo and Transit Insurance
Cargo and Transit Insurance Pages for CNA and HUB International
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Other Cargo and Transit Insurance Provider Comparisons
Sources for CNA vs HUB International Cargo and Transit 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.
- Ocean Cargo | CNA. CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Marine Insurance Broker Policy & Coverage. HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.
Sources for the Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
