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 Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between CNA and Pie Insurance Business Owner’s Policy?
Business interruption within the package
Pie describes a BOP combining commercial property and liability with business interruption that can cover payroll and temporary relocation costs after a covered catastrophe. CNA Connect lists income alongside buildings, contents, computer equipment, receivables, and money or securities, with optional endorsements. Ask both for the interruption trigger, restoration period, and any sublimit before comparing the package. 7 2
Intermediary route and flexibility
Pie says it helps businesses find a BOP quote from carrier partners and directs buyers to contact it to begin quoting. CNA Connect advertises more than 300 endorsements and adjustable deductibles and limits. Pie’s overview does not name the insurer for an individual quote, so request the carrier and proposed forms before comparing its offer with CNA’s coverage schedule. 7 2
What Should You Confirm in CNA and Pie Insurance Business Owner’s Policy Quotes?
CNA and Pie Insurance 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 reviewsPie Insurance Review Score
Review Score
2 rated sources
Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]
Read Pie Insurance reviewsCNA vs Pie Insurance Business Owner’s Policy Compared
CNA vs Pie Insurance: Business Owner’s Policy: documented features by provider
| Criteria | CNA Connect Businessowners Policy | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. 7Company-reported. BOP product page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. 7Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. 2Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). 7Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. 7Company-reported. BOP product page as read on 2026-09-23. |
Related Pages for CNA vs Pie Insurance Business Owner’s Policy
Business Owner’s Policy Pages for CNA and Pie Insurance
Other Coverage Lines Compared for CNA vs Pie Insurance
Other Business Owner’s Policy Provider Comparisons
Sources for CNA vs Pie Insurance Business Owner’s Policy
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.
Sources About Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- Business Owner's Policy | BOP Insurance. Pie Insurance; What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote. Accessed 2026-09-23.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
