CNA vs 
Nationwide: How Do They Compare for Builders Risk Insurance?
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 Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 6,7,8
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. 10,11,12,13
What Are the Key Differences Between CNA and Nationwide Builders Risk Insurance?
Project property and coverage scope
Nationwide describes property under construction, construction materials, and temporary structures, and lists debris removal, earthquake, flood, and business income as optional endorsements. CNA’s marine brochure lists builders risk for construction-project property damage and gives natural disaster, vandalism, and theft as examples. Ask whether temporary structures and materials away from the site are included, and whether flood, earthquake, debris removal, or business income requires an endorsement. 9 5
Where to begin a quote
Nationwide’s reviewed page directs prospective buyers to an agent or quote request. CNA’s sources cover product classification and example damage perils, not quoting steps. Find out which project documents Nationwide’s agent requires and request CNA’s submission instructions; its separate inland and ocean-marine labels alone do not describe an application process. 9 4 5
What Should You Confirm in CNA and Nationwide Builders Risk Insurance Quotes?
CNA and Nationwide 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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsCNA vs Nationwide Builders Risk Insurance Compared
CNA vs Nationwide: Builders Risk Insurance: documented features by provider
| Criteria | Builders Risk (Inland Marine) | Nationwide builders risk (official overview) |
|---|---|---|
| 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. | Nationwide describes offering builders risk for the audience stated on the cited product page. 9Company-reported. builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Construction projects through completion; listed ideal risks include commercial/industrial construction and other named industries. 9Company-reported. builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited product page describes property under construction, construction materials, and temporary structures, with optional endorsements such as debris removal, earthquake, flood, and business income. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for CNA vs Nationwide Builders Risk Insurance
Builders Risk Insurance Pages for CNA and Nationwide
Other Coverage Lines Compared for CNA vs Nationwide
Other Builders Risk Insurance Provider Comparisons
Sources for CNA vs Nationwide 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 Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Get Builder’s Risk Insurance - Nationwide. Nationwide; Additional builder's risk coverage; property under construction, materials, temporary structures, and endorsement examples. Accessed 2026-09-30.
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.
