CNA vs Nationwide: Business Owner’s Policy

CNA Connect serves 600-plus small-business classes with 300-plus optional endorsements; Nationwide's BOP bundles liability, property, business income and equipment breakdown, and buyers go to an agent or a quote request.

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

Nationwide describes liability, property, business income, and equipment-breakdown cover in its BOP; CNA Connect lists buildings, business contents, income, and 300+ endorsement options.

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

What each BOP says it packages

Nationwide’s overview describes a BOP combining business liability, commercial property, business income, and equipment-breakdown coverage. CNA Connect names buildings, income, business contents, computer equipment, receivables, and money or securities in its property-and-liability package. If equipment breakdown matters, ask CNA which endorsement addresses it and compare triggers and sublimits against Nationwide’s quoted form. [4] [1]

Adjusting the policy to the business

CNA says Connect has more than 300 optional endorsements and adjustable limits and deductibles. Nationwide directs buyers to an agent or quote request, but its reviewed overview does not set a universal limit or retention. Ask Nationwide for the proposed schedule and CNA for the endorsements available to your business class; compare the completed proposals, not the broad product summaries. [1] [4]

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

  • Does the Nationwide quote include equipment breakdown, and what trigger and sublimit apply? [1] [4]
  • Which CNA endorsements, limits, and deductibles are available for the same property values? [1] [4]

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 ↗

Nationwide

  • role: Nationwide describes offering business owners policy for the audience stated on the cited product page. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Small businesses matching the source's BOP description; underwriting and state availability remain subject to quote. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes a package combining business liability, commercial property, business income, and equipment-breakdown coverage as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

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 Interruption and Business Owner Policy

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

  3. 03
    Small Business

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

  4. 04
    Business Owners Policy (BOP Insurance)

    Nationwide · BOP page; package components and business property/liability coverage. · accessed 2026-09-30

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

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