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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
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. 9,10,11,12
What Are the Key Differences Between CNA and Zurich U.S. Builders Risk Insurance?
Choosing project coverage options
Zurich’s record describes builders-risk coverage choices and project-specific options, while CNA’s brochure identifies construction property damage with natural disaster, vandalism, and theft examples. Zurich also documents project-value and geographic considerations that shape its approach. For a project with unusual values or locations, ask how those facts change the available option and compare each proposed form’s covered property and exclusions. 8 5
Eligibility and submission information
Zurich’s page, reviewed 2026-09-23, gives conflicting project-value descriptions: its overview and FAQ say up to $75 million, while the appetite section says commercial projects of any size and value. The reviewed record does not resolve that conflict. CNA separately lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine. Ask Zurich to clarify current eligibility in writing and CNA which product and valuation documents fit the project. 8 4
What Should You Confirm in CNA and Zurich U.S. Builders Risk Insurance Quotes?
CNA and Zurich U.S. 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 reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsCNA vs Zurich U.S. Builders Risk Insurance Compared
CNA vs Zurich U.S.: Builders Risk Insurance: documented features by provider
| Criteria | Builders Risk (Inland Marine) | Zurich Commercial Builders Risk |
|---|---|---|
| Role in This Line | CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. 4Company-reported. The catalogue categories identify separate marketed products and do not determine which form fits a specific project. | Confirm in your quote. |
| Who It’s For | CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. 4Company-reported. The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project. | Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk for commercial construction projects; United States. Company-reported target appetite; each application remains subject to underwriting. Do not imply every risk or class is accepted. Zurich’s live Commercial Builders Risk page gives conflicting project-value descriptions: the overview and FAQ describe projects up to $75 million, while the Appetite section says commercial projects of any size and value. The page does not resolve the scope conflict; confirm eligibility with Zurich. These statements describe project values, not policy limits. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. The official page contains an unresolved conflict about project-value eligibility. Obtain current Zurich clarification before relying on a boundary. The statements concern project values and do not establish a policy limit; issued terms and underwriting govern. Zurich lists the Commercial Builders Risk program as nationwide. 8Company-reported. Zurich U.S. brand; underlying issuing legal entity is not identified on this page; Zurich Commercial Builders Risk program; United States, company-reported nationwide program availability. Company-reported program geography does not establish issuer authority or coverage for a specific risk; confirm jurisdiction and policy with the quote. Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported appetite; not a full policy exclusion list. Actual terms govern. |
| Coverage Features | CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. 4,5Company-reported. 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. 5Company-reported. The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms. | Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company product summary, not a policy form; actual covered property, causes, exclusions, limits and conditions depend on issued terms and underwriting. Zurich lists potential Commercial Builders Risk options including earth movement, flood, Ordinance or Law, soft costs, business income/extra expense, waiver of coinsurance and building-systems testing. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Options may depend on project/underwriting and issued policy terms; page is not the policy form. |
| Risk Services | Confirm in your quote. | Zurich states the commercial Builders Risk program offers direct access to a dedicated team of more than 50 specialists. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported program service statement; it does not promise response times or claims outcomes. |
| How to Apply | Confirm in your quote. | Zurich says agents can register online for program access and submit an online or paper application to underwriting; no premium commitment is required to register. 8Company-reported. Zurich U.S. brand; distribution through agents/brokers; Zurich Commercial Builders Risk; United States. Application process description; submission is not binding coverage or evidence of acceptance. |
Related Pages for CNA vs Zurich U.S. Builders Risk Insurance
Builders Risk Insurance Pages for CNA and Zurich U.S.
Other Coverage Lines Compared for CNA vs Zurich U.S.
Other Builders Risk Insurance Provider Comparisons
Sources for CNA vs Zurich U.S. Builders Risk 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.
- Inland & Ocean Marine Insurance. 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.
- Marine Capabilities Brochure. 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 Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. 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.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
