--- title: "CNA vs WithCoverage: Builders Risk Insurance" description: "WithCoverage says it builds coverage around construction risks standard builders-risk forms may miss; CNA names examples of intended project property damage." canonical: "https://spot.insure/compare/cna-vs-withcoverage/builders-risk" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-withcoverage" provider-a: "cna" provider-b: "withcoverage" coverage-line: "builders-risk" --- 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-withcoverage/builders-risk) ## Agent Guide **What this page is:** Focused comparison of CNA and WithCoverage for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Builders Risk Insurance questions about CNA versus WithCoverage. 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 WithCoverage for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, CNA or WithCoverage? - What does CNA or WithCoverage publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from CNA or WithCoverage? **Key facts:** - Line: Builders Risk Insurance. Providers: CNA and WithCoverage. - 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 WithCoverage](https://spot.insure/compare/cna-vs-withcoverage) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence) - [CNA vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/cna-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs WithCoverage General Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs WithCoverage Product Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/product-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [CNA vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-withcoverage/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Builders Risk Insurance](https://spot.insure/compare/aon-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aon-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) # CNA vs WithCoverage: How Do They Compare for Builders Risk Insurance? WithCoverage says it builds coverage around construction risks standard builders-risk forms may miss; CNA names examples of intended project property damage. ## How to Use the CNA vs WithCoverage Builders Risk Insurance Comparison Use this comparison to evaluate CNA and WithCoverage for Builders Risk Insurance 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 WithCoverage Builders Risk Insurance Summary WithCoverage says it builds coverage for project risks it believes standard builders-risk forms miss; CNA’s brochure names natural-disaster, vandalism, and theft examples. [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") ## 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 WithCoverage? WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. [6](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [7](https://www.withcoverage.com/company "About WithCoverage") [8](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) ## What Is Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [12](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [15](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## What Are the Key Differences Between CNA and WithCoverage Builders Risk Insurance? ### What the coverage descriptions establish CNA’s brochure lists natural disaster, vandalism, and theft as examples of intended construction-property damage. WithCoverage says it builds coverage around project risks that standard builders-risk forms may miss, but its reviewed record does not name insured property, triggers, or exclusions. These descriptions do not establish equivalent terms. Ask CNA for its form and ask WithCoverage to identify the policy wording addressing the specific project risk. [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") ### Support around the placement WithCoverage connects construction clients with risk advisors; its page hero lists Builders Risk in a construction-insurance audit, while the audit FAQ’s itemized list omits the line. Confirm whether the review includes this coverage. CNA’s pages give no submission contact or application instructions, so ask the company how to present a project and whether it offers advisory support. [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") [4](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance") [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") ## What Should You Confirm in CNA and WithCoverage Builders Risk Insurance Quotes? - Does WithCoverage’s construction audit include Builders Risk, and who will review the project documents? [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") - Are off-site materials, delay costs, and changing project values covered by endorsement? [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") ## CNA vs WithCoverage Builders Risk Insurance Compared | Criteria | Builders Risk (Inland Marine) | WithCoverage Builders Risk Program Review (Construction) | | --- | --- | --- | | Role in This Line | CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. [4](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance") (Evidence: Company-reported; scope: The catalogue categories identify separate marketed products and do not determine which form fits a specific project..) | WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Not found in reviewed sources; scope: Construction page and terms as read on 2026-09-23..) | | Who It’s For | CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. [4](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance") (Evidence: Company-reported; scope: The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project..) | WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Construction industry page and risk-advisors Vin spotlight..) | | Coverage Features | CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. [4](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance") [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") (Evidence: Company-reported; scope: This is company marketing, not a coverage grant; policy wording and project facts control..)

The brochure gives natural-disaster, vandalism and theft as examples of project property damage the product is intended to address. [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") (Evidence: Company-reported; scope: The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement..) | | How to Apply | Confirm in your quote. | WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [9](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") (Evidence: Company-reported; scope: Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does..) | ## Related Pages for CNA vs WithCoverage Builders Risk Insurance - [CNA vs WithCoverage](https://spot.insure/compare/cna-vs-withcoverage): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [CNA vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/cna-vs-withcoverage/commercial-property) - [CNA vs WithCoverage General Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/general-liability) - [CNA vs WithCoverage Product Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/product-liability) - [CNA vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-withcoverage/umbrella-excess) - [CNA vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-withcoverage/workers-compensation) - [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) - [Alliance Risk vs CNA Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-cna/builders-risk) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) - [Aon vs CNA Builders Risk Insurance](https://spot.insure/compare/aon-vs-cna/builders-risk) - [Aon vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aon-vs-withcoverage/builders-risk) ## Sources for CNA vs WithCoverage Builders Risk Insurance ### 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. 4. [Inland & Ocean Marine Insurance](https://www.cna.com/products/marine). CNA; U.S. page, sections Inland Marine and Ocean Marine: Builders Risk listed among inland products and Hull Builders Risk among ocean products; page retrieved through official-site search 2026-09-30.. Accessed 2026-09-30. 5. [Marine Capabilities Brochure](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf). CNA; Additional Offerings section: Builders Risk for construction projects with property damage from named examples; brochure product overview, not policy wording. Official document retrieved 2026-09-30.. Accessed 2026-09-30. ### Sources About WithCoverage 6. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15. 7. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15. 8. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15. 9. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Lonnie Lischka Company testimonial; Have Questions? program-audit FAQ listing General Liability, Product Liability, Workers' Comp, Property, umbrella. Accessed 2026-09-23. 10. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). WithCoverage; Vin spotlight: "Building tailored insurance programs for General Contractors, Trade Contractors, and Developers covering the project risks that off-the-shelf forms miss"; Carrier network section. Accessed 2026-09-23. 11. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents; policy obligations rest with the issuing insurer. Accessed 2026-09-23. ### Sources for the Builders Risk Insurance Guide 12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 14. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 15. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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). ## WithCoverage Review Scores for 2026 Review Score: not enough ratings. We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates. - FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/withcoverage/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-withcoverage/builders-risk.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)