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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 9,10
Key Differences in Inland Marine Insurance
Construction options and broader property classes
Zurich U.S. describes mobile tools, equipment and materials moving to, from and within construction jobsites, including transit and temporary storage. Its construction options include Z-PRIME, a Contractor’s Inland Marine Package and monoline Contractor’s Equipment. CNA also lists builders risk and contractors equipment, but its appetite extends to EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. Businesses outside construction should ask whether Zurich U.S.’s reviewed offering applies to their exposure. 4 7
Construction service support and policy terms
Zurich U.S. describes Risk Engineering and Claims services for construction risks and directs commercial buyers to an agent or broker. CNA describes dedicated underwriting, risk-control and claims specialists supporting tailored marine solutions. The reviewed Zurich U.S. overview does not disclose buyer-specific limits, deductibles or insurer for a particular policy. Compare the actual construction form and limits, and ask whether temporary storage and transit between sites are included. 4 7
What to Confirm in Inland Marine 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. Inland Marine Insurance Compared
CNA vs Zurich U.S.: Inland Marine Insurance: documented features by provider
| Criteria | CNA Inland Marine | Zurich Construction Property and Inland Marine |
|---|---|---|
| Role in This Line | Confirm in your quote. | Zurich markets inland marine coverage through its construction property and inland marine offering; its page identifies construction-focused coverage options rather than a general-purpose product for every business. 7Company-reported. Zurich U.S. construction segment marketing. The issuing company for an individual quote must be confirmed in its declarations. |
| Issuing Insurer | Confirm in your quote. | The reviewed construction inland-marine pages do not name the insurer that would issue a particular buyer's policy. 7Not publicly disclosed. Confirm the issuing legal entity and applicable state form in the quote and issued declarations. |
| Who It’s For | CNA lists builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich names property and inland marine options for construction customers, including Z-PRIME, a Contractor’s Inland Marine Package, and monoline Contractor’s Equipment. 7Company-reported. Product examples within Zurich's construction practice; they do not establish eligibility for a particular contractor, project, or state. |
| Coverage Features | CNA Inland Marine addresses accounts receivable, buildings under construction, medical equipment, EDP, fine art and mobile 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich describes construction inland marine as protecting mobile equipment, tools, and materials as they move to, from, and within job sites; the page also discusses transit and temporary storage. 8,7Company-reported. Company-described construction exposures only. Covered property, causes of loss, and any inland-marine extensions depend on the selected program and issued wording. |
| Limits and Retentions | Confirm in your quote. | The reviewed product overview does not set a buyer-specific inland-marine limit, retention, or deductible. 7Not publicly disclosed. The selected construction program, submitted values, quote, and issued wording determine the actual amounts and conditions. |
| Risk Services | CNA says tailored marine solutions are backed by dedicated underwriting, risk control and claims specialists. 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 page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | The construction page describes Risk Engineering and Claims services for customers managing construction risks and loss events. 7Company-reported. Company-described services for the construction practice; the page does not state that a specific service is included with every inland-marine placement. |
| How to Apply | Confirm in your quote. | Zurich directs commercial buyers to agents or brokers to discuss construction coverage. 6Company-reported. The official broker locator describes a distribution route, not whether a specific project qualifies or a policy will be issued. |
Related Pages for CNA vs Zurich U.S. Inland Marine Insurance
Inland Marine Insurance Pages for CNA and Zurich U.S.
Other Coverage Lines Compared for CNA vs Zurich U.S.
Other Inland Marine Insurance Provider Comparisons
Sources for CNA vs Zurich U.S. Inland Marine 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 Insurance. CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
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.
- Construction Property & Inland Marine Coverages | Zurich Insurance. Zurich U.S.; Construction Property and Inland Marine overview and FAQ: contractor mobile assets, materials in transit/storage, Z-PRIME, Contractor’s Inland Marine Package and Monoline Contractor’s Equipment; Risk Engineering and Claims Services. Construction segment only. Accessed 2026-09-30.
- Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Commercial property page and forms; the retained provider source also locates its marine discussion. Used as broad catalogue context; the construction inland-marine page supplies the line-specific product evidence. Accessed 2026-09-28.
Sources for the Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
