CNA vs Harper: General Liability Insurance

What Are the Key Differences Between CNA and Harper General Liability Insurance?

Eligibility and Buying Route

Harper sends one application to multiple insurers and says a specialist reviews the business; it targets hard-to-place or previously declined businesses and notes many contracts start at $1 million per claim. CNA identifies size-based solutions and industry-specific underwriting support. [3] [2] Harper’s stated process may matter when a prior declination complicates a certificate request. [2]

Contract Limits and Certificates

Harper describes bodily injury, property damage and legal defense, including groundless claims, and says it can issue a certificate the same day once a policy is in force. CNA describes covered third-party bodily injury/property damage and names industry-specific claims professionals. [3] [2] The proposal should show the actual limit and certificate timing. [2]

What Should You Confirm in CNA and Harper General Liability Insurance Quotes?

• Ask Harper which carriers it approached and whether the required $1 million limit is available. [3]

• Ask CNA how its underwriting team handles a previously declined class. [2]

• Ask Harper whether the offered limit meets your contract and when its certificate is issued. [3]