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 Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 9,10
What Are the Key Differences Between CNA and RiskCube Cyber Insurance?
AI-Specific Wording and Broker Placement
RiskCube says it places cyber programs with affirmative coverage for agentic-AI and model-security issues, including a wrap when underlying cyber or Tech E&O excludes AI risk. CNA describes Epack 3 and EPS Plus product contexts. The sources describe different product questions; ask CNA for its written treatment of AI events and RiskCube for the actual endorsement, issuer and coordination with the underlying policy. 8 4
Risk Profile and Security Controls
RiskCube names AI and data businesses, cloud platforms, payment processors and companies handling controlled or sensitive data among target buyers, and says its intake covers carrier-relevant controls. CNA describes small and midsize businesses and professional-services firms for its two products. Those descriptions are not acceptance decisions. A buyer should map the system architecture, data and model use to the insurer’s written definitions rather than infer protection from a product name or general cyber policy. 8 4
What Should You Confirm in CNA and RiskCube Cyber Insurance Quotes?
- Ask RiskCube for the exact AI endorsement, exclusions and underlying-policy coordination; ask CNA to show the proposed form’s wording for model, training-data and agentic-AI events. 8 4
- Compare breach triggers, security-control warranties, data recovery, interruption and limits for the same AI-enabled operation. 8 4
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 Cyber Insurance Compared
CNA vs RiskCube: Cyber Insurance: documented features by provider
| Criteria | CNA Cyber Insurance | RiskCube Cyber Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 8Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options. |
| Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. 7,8Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23. |
| Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. 8Company-reported. Cyber product page "Who needs cyber insurance" section. |
| Coverage Features | Confirm in your quote. | RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. 8Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections. RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 8Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section. |
| Limits and Retentions | Confirm in your quote. | RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. 8Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ. |
| Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. 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 specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. 8Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ. |
| Claims Support | Confirm in your quote. | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. 8Not found in reviewed sources. Cyber product page as read on 2026-09-23. |
Related Pages for CNA vs RiskCube Cyber Insurance
Cyber Insurance Pages for CNA and RiskCube
Other Coverage Lines Compared for CNA vs RiskCube
Other Cyber Insurance Provider Comparisons
Sources for CNA vs RiskCube Cyber 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.
- Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
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.
- Cyber Insurance for Startups. RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. Accessed 2026-09-23.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
