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 RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 5,6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
What Are the Key Differences Between CNA and RiskCube Crime Insurance?
Offering Structure and Distribution
RiskCube says its digital intake takes about ten minutes and that its process aims for vendor-ready proof of coverage in about 24 hours. Those are company-stated process goals across its catalogue, not a guarantee that crime coverage will be quoted, issued or effective on that schedule. CNA’s record says agents use Agent Center but does not describe a crime-specific turnaround. Neither process claim shows policy breadth. 4 8
Coverage Detail and Buyer Fit
RiskCube’s company disclosures say it is not an insurer and that third-party carriers issue its policies; the reviewed materials do not identify a crime carrier. Its catalogue calls crime relevant for startups handling client funds or payment data. CNA’s Management Liability page names private and public companies and nonprofits, but that broad audience is not a crime-specific acceptance rule. Verify the proposed insurer, eligibility and wording on both quotes. 4 7 8
What Should You Confirm in CNA and RiskCube Crime Insurance Quotes?
- Ask RiskCube which carriers actually quoted crime and when a binder can be issued; ask CNA which issuing entity and Epack 3 crime parts apply. 4 8
- Compare the forms for employee theft, forged instructions and discovery conditions, then confirm the requested certificate deadline separately from effective coverage. 4 8
CNA and RiskCube 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 reviewsRiskCube Review Score
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsCNA vs RiskCube Crime Insurance Compared
CNA vs RiskCube: Crime Insurance: documented features by provider
| Criteria | CNA Management Liability Crime Coverage | RiskCube Commercial Crime Insurance |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. 4Company-reported. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone. | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 8Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. 7Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically. |
| Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. 4Company-reported. This is broad segment context, not a crime-specific acceptance rule. | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." 8Company-reported. Catalogue Commercial Crime card. |
| Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. 4Company-reported. The product page establishes a marketed option, not that all component lines must be purchased together. | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. 8Company-reported. Catalogue Commercial Crime card summary. |
| Limits and Retentions | Confirm in your quote. | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. 8Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table. |
| Risk Services | Confirm in your quote. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. 8Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
| How to Apply | CNA directs agents seeking an application to its Agent Center. 4Company-reported. The page does not state that a business can apply directly or identify all documents required for crime coverage. | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. 8Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. 8Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
Related Pages for CNA vs RiskCube Crime Insurance
Crime Insurance Pages for CNA and RiskCube
Other Coverage Lines Compared for CNA vs RiskCube
Other Crime Insurance Provider Comparisons
Sources for CNA vs RiskCube Crime 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.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Startup Insurance Coverage. RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
