--- title: "CNA vs TechInsurance: Business Owner’s Policy" description: "TechInsurance describes BOP eligibility under 100 employees, under $1 million revenue, and low-risk operations; CNA Connect says it serves 600+ small-business classes." canonical: "https://spot.insure/compare/cna-vs-techinsurance/business-owners-policy" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-techinsurance" provider-a: "cna" provider-b: "techinsurance" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-techinsurance/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of CNA and TechInsurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about CNA versus TechInsurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs TechInsurance for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, CNA or TechInsurance? - What does CNA or TechInsurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Business Owner’s Policy from CNA or TechInsurance? **Key facts:** - Line: Business Owner’s Policy. Providers: CNA and TechInsurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs TechInsurance](https://spot.insure/compare/cna-vs-techinsurance) — parent: all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [CNA vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Cyber Insurance](https://spot.insure/compare/cna-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance D&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Fidelity Bonds](https://spot.insure/compare/cna-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance General Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [CNA vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) # CNA vs TechInsurance: How Do They Compare for Business Owner’s Policy? TechInsurance describes BOP eligibility under 100 employees, under $1 million revenue, and low-risk operations; CNA Connect says it serves 600+ small-business classes. ## How to Use the CNA vs TechInsurance Business Owner’s Policy Comparison Use this comparison to evaluate CNA and TechInsurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## CNA vs TechInsurance Business Owner’s Policy Summary TechInsurance lists fewer than 100 employees, under $1 million in annual revenue, a small space, and a low-risk industry as typical savings criteria; CNA Connect reports 600+ classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is TechInsurance? TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## 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](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## What Are the Key Differences Between CNA and TechInsurance Business Owner’s Policy? ### Published fit and package details TechInsurance says small businesses typically qualify for BOP savings when they have fewer than 100 employees, revenue below $1 million, a small commercial space, and a low-risk industry. CNA says CNA Connect serves more than 600 small-business classes. TechInsurance’s criteria give a first-pass revenue, space, and risk screen; ask CNA which exact class and underwriting requirements fit your operation. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") ### Coverage that may sit outside the BOP TechInsurance lists employee injuries, cyberattacks, business vehicles, and some natural-disaster property damage as exclusions unless separate coverage or endorsement applies. CNA Connect says it has 300-plus optional endorsements and adjustable limits and deductibles. Ask for named CNA options that address those gaps and verify whether flood or other natural hazards require a separate policy. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") ## What Should You Confirm in CNA and TechInsurance Business Owner’s Policy Quotes? - Do your revenue, employee count, space, and industry match TechInsurance’s stated criteria? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Which listed exclusions require separate policies, and are relevant CNA endorsements available? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## CNA vs TechInsurance Business Owner’s Policy Compared | Criteria | CNA Connect Businessowners Policy | TechInsurance Business Owner's Policy (BOP) | | --- | --- | --- | | Role in This Line | Confirm in your quote. | TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a BOP. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Business owner's policy product page as read on 2026-09-23..) | | Who It’s For | CNA says CNA Connect serves more than 600 small-business classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: 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..) | TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page, Eligibility requirements for a BOP section..) | | Coverage Features | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: 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..) | TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page; general policy description, not a specific policy form..) | | Limits and Retentions | Confirm in your quote. | TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | How to Apply | Confirm in your quote. | You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. [7](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | ## Related Pages for CNA vs TechInsurance Business Owner’s Policy - [CNA vs TechInsurance](https://spot.insure/compare/cna-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [CNA vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-auto) - [CNA vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-property) - [CNA vs TechInsurance Cyber Insurance](https://spot.insure/compare/cna-vs-techinsurance/cyber) - [CNA vs TechInsurance D&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/directors-officers) - [CNA vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/employment-practices) - [CNA vs TechInsurance Fidelity Bonds](https://spot.insure/compare/cna-vs-techinsurance/fidelity-bonds) - [CNA vs TechInsurance General Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/general-liability) - [CNA vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-techinsurance/inland-marine) - [CNA vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-techinsurance/professional-errors-omissions) - [CNA vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/technology-errors-omissions) - [CNA vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/umbrella-excess) - [CNA vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-techinsurance/workers-compensation) - [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy) - [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy) - [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) - [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy) - [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy) - [biBerk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) ## Sources for CNA vs TechInsurance Business Owner’s Policy ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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 TechInsurance 4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. Accessed 2026-09-23. ### Sources for the Business Owner’s Policy Guide 8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16. 9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. 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. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## TechInsurance Review Scores for 2026 Review Score: 9.1 / 10 from 2 rated sources, equally weighted. TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-techinsurance/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)