CNA vs Hub International: Business Owner’s Policy

CNA Connect lists adjustable deductibles and limits across 600-plus small-business classes; HUB International is a broker that has prospects contact an advisor, with no online quote described.

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 HUB International Business Owner’s Policy?

Property and liability detail

HUB International describes a BOP that combines building and business property with liability for injury or property-damage claims caused by the business or employees. CNA Connect lists buildings, income, contents, computer equipment, receivables, and money or securities. If business interruption or financial assets matter, ask HUB International whether those are included in the proposed form and identify CNA’s selected limits for each category. [2] [1]

Advisor tailoring and quote route

HUB International directs BOP prospects to a broker, where an advisor can tailor the package. CNA Connect’s page lists product details but leaves the point of contact and quote route unstated. Ask HUB International which broker and insurer would handle your submission; ask CNA how buyers in your class reach the Connect program before comparing specific proposals. [2] [1]

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

  • Does the HUB International proposal include business income, and what interruption trigger applies? [1] [2]
  • Which carrier and endorsements make up HUB International’s offer, compared with CNA’s options? [2] [1]

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 ↗

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

HUB International describes building and business-property protection plus liability for injury or property-damage claims; CNA Connect also lists income, computer equipment, receivables, and money/securities.

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 (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · 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

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

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