CNA vs Techinsurance: Business Owner’s Policy

TechInsurance says low-risk businesses under 100 employees and $1 million in revenue typically qualify for BOP savings, at a median of $83 a month; CNA Connect serves more than 600 small-business classes.

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 TechInsurance Business Owner’s Policy?

Published fit and package details

TechInsurance says small businesses typically qualify for BOP savings when they have fewer than 100 employees, revenue below $1 million, a small commercial space, and a low-risk industry. CNA says CNA Connect serves more than 600 small-business classes. TechInsurance’s criteria give a first-pass revenue, space, and risk screen; ask CNA which exact class and underwriting requirements fit your operation. [4] [1]

Coverage that may sit outside the BOP

TechInsurance lists employee injuries, cyberattacks, business vehicles, and some natural-disaster property damage as exclusions unless separate coverage or endorsement applies. CNA Connect says it has 300-plus optional endorsements and adjustable limits and deductibles. Ask for named CNA options that address those gaps and verify whether flood or other natural hazards require a separate policy. [4] [1]

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

  • Do your revenue, employee count, space, and industry match TechInsurance’s stated criteria? [1] [4]
  • Which listed exclusions require separate policies, and are relevant CNA endorsements available? [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 ↗

TechInsurance

  • role: TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. Business owner's policy product page.company-reportedSource ↗

TechInsurance lists fewer than 100 employees, under $1 million in annual revenue, a small space, and a low-risk industry as typical savings criteria; CNA Connect reports 600+ classes.

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 Owner's Policy (BOP) Insurance – Compare Quotes

    TechInsurance · Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? · accessed 2026-09-23

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

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