CNA vs 
Travelers: How Do They Compare for Equipment Breakdown Insurance?
CNA says equipment breakdown may be placed monoline, within property or Paramount packages, or through shared/layered manuscript forms, and identifies commissioned inspections of covered pressure equipment in most jurisdictions. Travelers says it primarily underwrites the line through EnergyMax 21, also offers BoilerRE, and says customers can draw on more than 600 Risk Control consultants and IoT risk resources. 4,8
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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 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
Placement Options
CNA says its equipment-breakdown line may be placed monoline, within property or Paramount packages, or through shared or layered manuscript forms. Travelers says it primarily underwrites the line through EnergyMax 21 and also offers BoilerRE; EnergyMax 21 is described for boilers, pressure vessels, and business and computer systems. If you are fitting equipment breakdown into a property program, compare the CNA placement forms with the specific Travelers offering proposed for your equipment. 4 8
Equipment Risk Services
CNA says it uses commissioned inspectors authorized to inspect covered pressure equipment in most jurisdictions. Travelers says equipment-breakdown customers can draw on more than 600 Risk Control consultants and Internet of Things (IoT) risk resources. These are different documented service approaches for equipment risks: pressure-equipment inspection and broader risk-control resources. Ask which services apply to your location and proposed equipment. 4 8
What to Confirm in Equipment Breakdown Insurance Quotes
- Ask CNA which placement form is proposed and whether newly acquired equipment is included under that option. 4
- Ask Travelers whether EnergyMax 21 or BoilerRE is proposed and which equipment is scheduled or addressed by the form. 8
- Ask CNA which commissioned pressure-equipment inspections are available at your location. 4
- Ask Travelers which Risk Control or IoT resources apply to the proposed equipment and location. 8
CNA and Travelers 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 reviewsTravelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsCNA vs Travelers Equipment Breakdown Insurance Compared
CNA vs Travelers: Equipment Breakdown Insurance: documented features by provider
| Criteria | CNA Equipment Breakdown | Travelers Equipment Breakdown Insurance Coverage (EnergyMax 21) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers underwrites equipment breakdown coverage primarily through its EnergyMax 21 package, and offers BoilerRE for businesses at any level of familiarity with the coverage. 8Company-reported. Product page EnergyMax 21 and BoilerRE sections. |
| Who It’s For | Confirm in your quote. | Travelers markets equipment breakdown coverage to Main Street businesses, real estate, small-to-mid-sized and heavy/specialized manufacturing, high-tech businesses, municipalities, schools and government entities, saying EnergyMax 21 is designed for both Fortune 500 companies and small businesses. 8Company-reported. Product page "Who is equipment breakdown insurance right for?" and EnergyMax 21 sections. |
| 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. | Travelers describes EnergyMax 21 as covering breakdowns of boilers and pressure vessels as well as sophisticated business and computer systems, calling it a package of coverages for "nearly every equipment loss scenario." 8Company-reported. Product page EnergyMax 21 section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles or premiums for equipment breakdown coverage; amounts would appear on a quote or declarations. 8Not found in reviewed sources. Product page as read on 2026-09-23. |
| 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. | Travelers says equipment breakdown customers can draw on more than 600 Risk Control consultants, a dedicated Claim team, and Internet of Things (IoT) risk resources. 8Company-reported. Product page Risk Control, Claim and Internet of Things sections. |
| How to Apply | Confirm in your quote. | Equipment breakdown coverage is bought through a Travelers independent agent. 8Company-reported. Product page "Find an insurance agent" call to action. |
Related Pages for CNA vs Travelers Equipment Breakdown Insurance
Equipment Breakdown Insurance Pages for CNA and Travelers
Other Coverage Lines Compared for CNA vs Travelers
Other Equipment Breakdown Insurance Provider Comparisons
Sources for CNA vs Travelers 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 Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Equipment Breakdown Insurance Coverage. Travelers; EnergyMax 21; Who is equipment breakdown insurance right for?; BoilerRE; Public entities; National property. Accessed 2026-09-23.
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.
