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
Read the HUB International profile
Read the HUB International Equipment Breakdown Insurance page
What Is Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 9,10,11,12
Key Differences in Equipment Breakdown Insurance
Interruption costs and coverage tiers
HUB describes basic, broad and consequential-damage coverage, plus Extra Expense to keep operations running. It says Extra Expense excludes lost income unless combined with business-income coverage. CNA lists repair and replacement, damage to other property and liability for others’ property. Check whether CNA’s quote covers lost revenue, and which HUB tier and business-income option the proposal uses. 8 4
Adding equipment and choosing access
CNA explicitly lists automatic cover for newly acquired property. HUB differentiates its tiers but does not describe that same automatic-addition feature in the reviewed claim. HUB directs prospects to a broker rather than an online quote. Ask HUB how additions are reported and which tier is proposed; ask CNA how long automatic coverage lasts and what equipment schedule applies. 4 8
What to Confirm in Equipment Breakdown 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 Equipment Breakdown Insurance Compared
CNA vs HUB International: Equipment Breakdown Insurance: documented features by provider
| Criteria | CNA Equipment Breakdown | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. 8Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. 8Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. |
| Who It’s For | Confirm in your quote. | HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. 8Company-reported. Product-page target-market description; not a published underwriting appetite. |
| Coverage Features | CNA Equipment Breakdown addresses accidental breakdown of certain machinery/equipment used in a business or office. 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 equipment breakdown; inspections vary by jurisdiction Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA lists equipment repair/replacement, damage to other property, liability for others’ property and automatic cover for newly acquired property. 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 equipment breakdown; inspections vary by jurisdiction Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says the line is available monoline, with property/Paramount packages, or shared/layered manuscript forms. 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 equipment breakdown; inspections vary by jurisdiction Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. 8Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim. HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. 8Company-reported. Product-page coverage-tier description. |
| Limits and Retentions | Confirm in your quote. | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. 8Not publicly disclosed. Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | CNA uses commissioned inspectors authorized to inspect covered pressure equipment in most jurisdictions. 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 equipment breakdown; inspections vary by jurisdiction Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. 8Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. |
| How to Apply | Confirm in your quote. | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. 8Company-reported. Product-page call to action. |
Related Pages for CNA vs HUB International Equipment Breakdown
Equipment Breakdown Insurance Pages for CNA and HUB International
Other Coverage Lines Compared for CNA vs HUB International
Other Equipment Breakdown Insurance Provider Comparisons
Sources for CNA vs HUB International Equipment Breakdown 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.
- Equipment Breakdown Insurance | CNA Insurance. CNA; Coverage, inspection, monoline and package placement. 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.
- Boiler and Machinery Equipment Insurance Coverage. HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. Accessed 2026-09-23.
Sources for the Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
