CNA vs Embroker: Business Owner’s Policy

CNA Connect serves 600-plus classes with adjustable limits and deductibles; Embroker targets its BOP at businesses under 100 employees and $10 million in revenue with a physical location, and offers an online quote.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

What Are the Key Differences Between CNA and Embroker Business Owner’s Policy?

Gaps and endorsements

Embroker describes property, third-party liability, and business interruption, while identifying cyberattacks, professional liability, employment claims, workers’ compensation, and auto as outside the base package or requiring other coverage. It also describes several endorsements and separate policies. CNA Connect offers more than 300 optional endorsements. Match each needed protection to a named endorsement or separate policy instead of assuming it is included. [2] [1]

Eligibility and quote access

Embroker targets businesses with fewer than 100 employees, less than $10 million in revenue, and a physical location, while CNA says CNA Connect serves more than 600 small-business classes. Embroker uses an online BOP quote platform; CNA’s claim describes class breadth rather than a specific quote route. Ask whether your revenue, employee count, and location fit Embroker before comparing policy options. [2] [1]

What Should You Confirm in CNA and Embroker Business Owner’s Policy Quotes?

  • Which excluded risks require separate policies, and what endorsements are available for your quote? [1] [2]
  • Does your employee count, revenue, and home-office status fit Embroker’s stated criteria? [2] [1]

Embroker says its BOP excludes cyber, professional, employment-related, and criminal claims and usually requires separate workers’ compensation and auto; CNA reports 300+ optional endorsements.

Sources and records

  1. 01
    CNA Connect Small Businessowners Policy (BOP) | CNA Insurance

    CNA · CNA Connect; coverages, product range, services · accessed 2026-09-28

  2. 02
    Business Owners Policy

    Embroker · Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? · accessed 2026-09-23

  3. 03
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  4. 04
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Provider coverage details

CNA

  • eligibility: CNA says CNA Connect serves more than 600 small-business classes. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Embroker

  • role: Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. Product-page description of the bundle; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.company-reportedSource ↗
  • coverage: The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. Product-page coverage summary; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. Product-page What's not included and FAQ sections.company-reportedSource ↗
  • coverage: Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. FAQ section; specific endorsement availability depends on underwriting.company-reportedSource ↗
  • application: Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. Product-page 'Quick quotes' feature description; no quote was requested during this research.company-reportedSource ↗
  • services: The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere.not-foundSource ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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