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 Marsh?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 6,7,8,9
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 11,12,13,14
Key Differences in Builders Risk Insurance
What property is scheduled
The property page cited in Marsh’s record, read 2026-09-23, is published by Marsh McLennan Agency (MMA), which describes builders-risk protection for additions, foundations, temporary structures, and insured-owned materials, with limited treatment of others’ materials. This is MMA’s middle-market practice, not a separately branded Marsh product. CNA’s brochure describes construction-project damage with natural disaster, vandalism, and theft examples. Ask the Marsh contact to identify the placing entity and compare how both forms treat subcontractor materials. 10 5
Advisor placement and risk review
MMA says its property practice offers hazard assessment, valuation, catastrophe modeling, risk control, program design, and claims advocacy. CNA’s reviewed builders-risk record does not describe comparable advisory services. Ask the MMA contact which services apply to a construction placement and ask CNA whether project risk-control or valuation support is available. 10 4
What to Confirm in Builders Risk Insurance Quotes
CNA and Marsh 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 reviewsMarsh Review Score
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh reviewsCNA vs Marsh Builders Risk Insurance Compared
CNA vs Marsh: Builders Risk Insurance: documented features by provider
| Criteria | Builders Risk (Inland Marine) | Marsh McLennan Agency Builders' Risk Insurance |
|---|---|---|
| Role in This Line | CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. 4Company-reported. The catalogue categories identify separate marketed products and do not determine which form fits a specific project. | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. 10Company-reported. MMA property insurance page, Builders' Risk subsection. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific builders' risk insurer. 10Not publicly disclosed. MMA property insurance page as read on 2026-09-23. |
| Who It’s For | CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. 4Company-reported. The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project. | Confirm in your quote. |
| Coverage Features | CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. 4,5Company-reported. This is company marketing, not a coverage grant; policy wording and project facts control. The brochure gives natural-disaster, vandalism and theft as examples of project property damage the product is intended to address. 5Company-reported. The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms. | MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. 10Company-reported. MMA property insurance page; illustrative description, not a specific policy form. |
| Risk Services | Confirm in your quote. | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. 10Company-reported. MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk. |
| How to Apply | Confirm in your quote. | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. 10Company-reported. MMA property insurance page. |
Related Pages for CNA vs Marsh Builders Risk Insurance
Builders Risk Insurance Pages for CNA and Marsh
Other Coverage Lines Compared for CNA vs Marsh
Other Builders Risk Insurance Provider Comparisons
Sources for CNA vs Marsh Builders Risk 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.
- Inland & Ocean Marine Insurance. CNA; U.S. page, sections Inland Marine and Ocean Marine: Builders Risk listed among inland products and Hull Builders Risk among ocean products; page retrieved through official-site search 2026-09-30. Accessed 2026-09-30.
- Marine Capabilities Brochure. CNA; Additional Offerings section: Builders Risk for construction projects with property damage from named examples; brochure product overview, not policy wording. Official document retrieved 2026-09-30. Accessed 2026-09-30.
Sources About Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Property Insurance. Marsh McLennan Agency; Builders' Risk subsection under Property Insurance: risks unique to a building during construction, including additions and alterations, foundations, temporary structures, materials and supplies; Program design expertise; Benefits of Property Insurance. Accessed 2026-09-23.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
