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 Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 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. 10,11,12,13
What Are the Key Differences Between CNA and Lockton Cargo and Transit Insurance?
Range of placements versus listed options
Lockton’s Cargo & Logistics team can place cargo in transit, motor-truck cargo, warehouse legal liability, stock throughput, perishable-goods deterioration, and war, strikes, or terrorism risks. CNA Ocean Cargo lists domestic and foreign transit, incidental storage, and exhibition or consignment options. Since Lockton’s list is a broker capability menu, ask which insurer and policy form would actually address the risks on your shipment. 8 4
Engagement and servicing
Lockton starts with an inquiry form and does not describe a self-serve quote or bind flow. CNA describes CNACargo.com for policy management and certificates, plus cargo claims specialists worldwide. Ask Lockton how it will obtain and service a quote for your route; ask CNA whether your agent and policyholder roles have access to the portal and claims contacts. 8 4
What Should You Confirm in CNA and Lockton Cargo and Transit Insurance Quotes?
CNA and Lockton 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 reviewsLockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsCNA vs Lockton Cargo and Transit Insurance Compared
CNA vs Lockton: Cargo and Transit Insurance: documented features by provider
| Criteria | CNA Ocean Cargo | Lockton Cargo & Logistics Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | Lockton's Cargo & Logistics team places marine and cargo coverage for companies that ship goods; it sits alongside auto, general/product liability, umbrella and workers' compensation under Lockton's broader Casualty Insurance Solutions. Lockton is the broker arranging this coverage, not the insurer. 8,9Company-reported. Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. 8,9Not publicly disclosed. Cargo & Logistics and Casualty pages checked 2026-09-23. |
| 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. | Lockton lists cargo and marine coverage areas it can help place, including cargo in transit, motor truck cargo, warehouseman's legal liability, stock throughput, deterioration of perishable goods, and war, strikes and terrorism risk. This is a capability list, not a specimen policy; actual terms depend on the placing insurer. 8Company-reported. Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form. |
| 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. | Public engagement starts as an inquiry: the Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind flow. 8Company-reported. Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line. |
Related Pages for CNA vs Lockton Cargo and Transit Insurance
Cargo and Transit Insurance Pages for CNA and Lockton
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Other Cargo and Transit Insurance Provider Comparisons
Sources for CNA vs Lockton 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 Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Cargo & Logistics. Lockton; Risk management challenges intro; Wide array of experience: list of marine and cargo coverage areas (guaranteed outturn, bailees liability, motor truck cargo, carrier's legal liability, stock throughput, war and strikes risk, and more). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. 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.
