CNA vs 
Zurich U.S.: How Do They Compare for Commercial Property 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. 1,2,3
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. 5,6
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 8,9,10
Key Differences in Commercial Property Insurance
Account Segments and Covered Assets
Zurich identifies mid-market, large-corporate and multinational customers, distinguishing modular PPP from customizable Edge II for larger complex risks. It lists buildings, equipment, inventory, tools, furniture and business interruption. CNA maps small, midsize and large accounts to Connect, Paramount and Touchstone and describes varied placement structures. Compare Zurich's segments with CNA's tiers and ask which fits your locations. 7 7 4
Engineering and Property Services
Zurich connects policies with global risk engineers and claims professionals, including loss-control and mitigation education. CNA identifies sprinkler reviews and continuity planning. Both mention property prevention, but Zurich describes a global network while CNA names site activities. Ask which services apply at each insured location. 7 4
What to Confirm in Commercial Property Insurance Quotes
Review Scores
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
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
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. reviewsOffering Details
CNA vs Zurich U.S.: Commercial Property Insurance: documented features by provider
| Criteria | CNA Commercial Property | Zurich Commercial Property Insurance |
|---|---|---|
| Who It’s For | CNA identifies Connect for small, Paramount for midsize and Touchstone for large property risks. 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 commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich’s property page identifies mid-market, large-corporate and multinational customers and distinguishes modular PPP from customizable Edge II for larger, complex risks. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | CNA describes admitted/non-admitted and primary, buffer, excess, quota-share or shared/layered placement options. 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 commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich property can cover buildings, equipment, inventory, tools, furniture and business interruption following covered loss. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | CNA identifies sprinkler review and business-continuity planning by property risk-control professionals. 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 commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich connects property policies with global risk engineers and claims professionals, including loss-control services and mitigation education. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Full Comparison
More CNA vs Zurich U.S. Comparisons
Other Commercial Property Insurance Comparisons
Sources
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.
- Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
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 Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
