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. 5,6,7
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
Repair costs and related losses
Both records describe repair or replacement after equipment failure. CNA also lists damage to other property and liability for others’ property, while Nationwide’s overview refers to related business-income or restoration expenses. The summaries point to different loss components, but neither substitutes for policy wording. Ask Nationwide which restoration costs its description covers, and ask CNA for the limits and conditions on property damage and liability. 4 8
Equipment additions and quote details
CNA specifically describes automatic cover for newly acquired property. Nationwide directs prospects to an agent or quote request and says final availability and terms depend on the issued policy; its overview does not describe an automatic-addition feature. If your business regularly adds equipment, confirm when it becomes insured, how quickly you must report it and whether per-item caps apply. 4 8
What to Confirm in Equipment Breakdown 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 Equipment Breakdown Insurance Compared
CNA vs Nationwide: Equipment Breakdown Insurance: documented features by provider
| Criteria | CNA Equipment Breakdown | Nationwide equipment breakdown (official overview) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Nationwide describes offering equipment breakdown for the audience stated on the cited product page. 8Company-reported. equipment breakdown 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 | Confirm in your quote. | Businesses using mechanical/electrical equipment, computers, networks, heating/cooling, or other listed systems. 8Company-reported. equipment breakdown 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 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. | The cited product page describes repair or replacement costs for covered equipment failures and related business-income or restoration expenses described on the page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. equipment breakdown 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | Confirm in your quote. |
| 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. 8Company-reported. equipment breakdown 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 Equipment Breakdown Insurance
Equipment Breakdown Insurance Pages for CNA and Nationwide
Other Coverage Lines Compared for CNA vs Nationwide
Other Equipment Breakdown Insurance Provider Comparisons
Sources for CNA vs Nationwide 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 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.
- Equipment Breakdown Coverage – Nationwide. Nationwide; What equipment breakdown covers; events, equipment, repair/replacement and business-income expenses. Accessed 2026-09-30.
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.
