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CNA Insurance
Risk Control for Small Businesses

Small businesses often face different challenges — and have fewer resources — than a large company. That’s why CNA offers a risk control team that works exclusively with small businesses. This dedication means our consultants offer unparalleled expertise in identifying potentially expensive exposures and helping your business manage the risks associated with them.

Impact of a Loss:
When a small business experiences a loss, it is often related to:

  • Property damage caused by a fire, theft or weather.
  • An employee or customer slips or trips and falls on the business premises.
  • An employee who is injured on-the-job files a workers’ compensation claim.
  • An employee driving for a business reason, either in a company or personal vehicle.

Recovering financially from losses like these may take longer than anticipated. The table below illustrates estimated additional sales a company might potentially need to generate to cover a loss.

Estimated Sales Projection Required to Cover a Loss

Dollar Loss1% Profit Margin2% Profit Margin5% Profit Margin
$10,000$1 million$500,000$200,000
$25,000$2.5 million$1.25 million$500,000
$50,000$5 million$2.5 million$1 million
$100,000$10 million$5 million$2 million


Accidents cost more than you think.
Regardless of the controls put in place, it is inevitable that some work related injuries will occur. When they do, a return-to-work program can minimize the impact that lost productivity and correlating expenses may have on your business. This program can also help your injured employee to return to work as soon as medically possible. CNA can help your company establish a return-to-work program or strengthen an existing one.

Online Resources

CNA’s Library of Risk Control Bulletins covers a range of topics relevant to small businesses such as:

OSHA’s “Small Business Handbook” covers a range of topics related to workplace safety.

Boiler Inspection
Boilers and pressure vehicles, such as water heaters, can be dangerous if not correctly maintained. To help ensure proper maintenance, state and local governments require periodic inspections of boilers and pressure vessels. CNA performs these jurisdictional inspections as part of its equipment breakdown coverage. To arrange an inspection, please complete the Request for Jurisdictional Inspection of Pressure Equipment form.

Your SORCE ® for Risk Control Education 
From a small business to a large commercial enterprise, exposure to risk can result in business loss and interruption. CNA’s School of Risk Control Excellence (SORCE®) can educate you in industry-leading loss prevention, risk management and risk transfer techniques. These complimentary, educational seminars cover pertinent topics such as driver safety, employment practices liability and property protection.

SORCE® On Demand provides 24/7 access to online risk control courses, which are based on proven adult-learning principles and the latest regulatory requirements. They address concerns such as driver and transportation safety, food services and distribution and fire prevention and safety.

Act Now
The Act Now Emergency Preparedness website offers a range of resources from CNA as well as from FEMA and other government agencies, to help you prepare for an emergency situation at work or at home.

To learn more about preventing losses and maintaining a safe work environment, please visit CNA Risk Control or call the Small Business hotline at 866-524-3089.

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