---
title: "CNA vs Zurich U.S.: Builders Risk Insurance"
description: "Zurich describes several builders-risk coverage options and project-value considerations; CNA’s brochure names broad construction property-damage examples."
canonical: "https://spot.insure/compare/cna-vs-zurich/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-zurich"
provider-a: "cna"
provider-b: "zurich"
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-zurich/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of CNA and Zurich U.S. 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 Zurich U.S.. 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 Zurich U.S. for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, CNA or Zurich U.S.?
- What does CNA or Zurich U.S. publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from CNA or Zurich U.S.?

**Key facts:**
- Line: Builders Risk Insurance. Providers: CNA and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/cna-vs-zurich) — 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)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [CNA vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Crime Insurance](https://spot.insure/compare/cna-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cna-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cna-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/cna-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/cna-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/cna-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/cna-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cna-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-zurich/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 Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/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 Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aon-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)

# CNA vs Zurich U.S.: How Do They Compare for Builders Risk Insurance?

Zurich describes several builders-risk coverage options and project-value considerations; CNA’s brochure names broad construction property-damage examples.

## How to Use the CNA vs Zurich U.S. Builders Risk Insurance Comparison

Use this comparison to evaluate CNA and Zurich U.S. 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 Zurich U.S. Builders Risk Insurance Summary

Zurich describes builders-risk coverage options for construction projects; CNA names natural disaster, vandalism, and theft as examples of project property damage. [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## 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)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](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 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](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure")

### 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](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") [4](https://www.cna.com/products/marine "Inland & Ocean Marine Insurance")

## What Should You Confirm in CNA and Zurich U.S. Builders Risk Insurance Quotes?

- What project value, geography, or work type could change eligibility or coverage options? [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure") [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")
- Which site and valuation documents are required, and what exclusions should be reviewed? [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") [5](https://www.cna.com/sites/default/files/assets/marine-capabilities-brochure.pdf "Marine Capabilities Brochure")

## CNA vs Zurich U.S. Builders Risk Insurance Compared

| 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. [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..) | 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. [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..) | Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists the Commercial Builders Risk program as nationwide. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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](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..)<br><br>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..) | Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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

- [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich): 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 Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-auto)
- [CNA vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/cna-vs-zurich/commercial-property)
- [CNA vs Zurich U.S. Crime Insurance](https://spot.insure/compare/cna-vs-zurich/crime)
- [CNA vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cna-vs-zurich/cyber)
- [CNA vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cna-vs-zurich/directors-officers)
- [CNA vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-zurich/employment-practices)
- [CNA vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/cna-vs-zurich/fidelity-bonds)
- [CNA vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-zurich/fiduciary)
- [CNA vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/cna-vs-zurich/general-liability)
- [CNA vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/cna-vs-zurich/inland-marine)
- [CNA vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/cna-vs-zurich/management-liability)
- [CNA vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-zurich/professional-errors-omissions)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds)
- [CNA vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cna-vs-zurich/technology-errors-omissions)
- [CNA vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-zurich/umbrella-excess)
- [CNA vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-zurich/workers-compensation)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk)
- [AIG vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/builders-risk)
- [Alliance Risk vs CNA Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-cna/builders-risk)
- [Alliance Risk vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/builders-risk)
- [Aon vs CNA Builders Risk Insurance](https://spot.insure/compare/aon-vs-cna/builders-risk)
- [Aon vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aon-vs-zurich/builders-risk)

## Sources for CNA vs Zurich U.S. 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 Zurich U.S.

6. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
7. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
8. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). 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

9. [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.
10. [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.
11. [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.
12. [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).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-zurich/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)