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CNA Blog — From the Experts

Published Friday, October 20, 2017

CNA Connect 101: The Insurance Policy Built for Your Small Business

When running a small business, you have a million things on your plate. CNA has simplified the business insurance buying process by thinking through the risks facing your small business and creating the CNA Connect business owners policy specifically for you.

CNA Connect combines the coverages offered in a traditional business owners policy (BOP) — Property and Liability — but goes further with more coverages, flexible limits and customized options to make sure your policy reflects your risk realities. 

Why CNA Connect?

CNA's standard coverages are some other companies' "extras."
We include business income and extra expense coverage, both of which help supplement your income when your doors may be closed following a fire, water damage incident or burglary. How would you pay your bills or the salaries of key employees without income? Business income coverage helps you make those payments, while extra expense coverage will help if you need to move to a temporary location because your building is uninhabitable. We know you can't risk losing your customers by being closed for a long period of time. Both coverages are built into CNA Connect to make sure you can get back up and running as quickly as possible.

CNA also includes Employment Practices Liability coverage for employee-related issues and offers options to add higher limits for it, if needed. When it comes to your building, CNA knows many small businesses lease property from landlords. CNA created a policy that includes the coverages required in the lease, so you don't discover after someone slips on the sidewalk in front of your building that your lease required you to purchase "blanket additional insured" coverage for the landlord. Additionally, CNA Connect applies your premises liability limit to each location instead of spreading it among your different locations. We also offer higher limits on a single policy than some other insurance companies. We help small business owners with some of the decisions that will best protect them.

CNA will customize a policy just for you. You've worked hard to stand out from the competition, but you have unique business needs and a price point. We can offer more than 300 optional coverage endorsements (or add-ons) to your CNA Connect policy to tailor it for your small business. Are you frequently shipping products, and therefore need more coverage for inventory in transit? Do you need Professional Liability coverage because of the services you provide? Do you have robust online sales and require data breach coverage? We've thought through your workday and where it might take you to craft coverage options to fit your specific business, whether you're a real estate agent who needs coverage for furniture rented to stage a house or a photographer traveling on assignment. We also offer flexibility to increase your limits to obtain the right level of coverage.
CNA Connect offers coverages that you don't necessarily get the opportunity to purchase on competitors' BOPs. For example, we are one of the few carriers to allow you to add on coverage for Miscellaneous Professional Liability, or "errors and omissions," which applies in cases where customers allege negligence arising from professional services.
We understand that you have a budget, so CNA Connect allows you to increase deductibles if you need some flexibility in your premium. You also can exclude certain coverages that don't necessarily apply to your business. For example, a couple running a small accounting office with no employees may agree that employee dishonesty coverage is not necessary and remove it from their policy.

CNA puts itself in your shoes. We don't want to compromise your ability to rebound from a disruption, so we've approached CNA Connect from the perspective of the small business owner. We've considered the ebbs and flows of your operations, your day, your employees' workflow and your customers and built a policy to reflect that. No one wants to be surprised during the stressful aftermath of a loss to find certain coverage areas were overlooked, or that certain exclusions mean they won't be covered. We've included coverages that help you get back up and running following a disaster. We know that your employees might be moving property from site to site, so we don't add personal property exclusions surrounding the locations where you're covered, just in case an employee stops to get gas and returns to find inventory or important documents stolen out of the backseat. Some policies may have exclusions because the property was off your premises, in transit or because the car was unlocked. Our coverages are built to make sure you don't discover gaps at your worst moments.

We can get you a quote fast. You can have your CNA Connect quote in just a few minutes, not days or weeks. (If we need more time to review the risk, you will have it within a few hours.) 

With more than a century of experience, CNA has developed a reputation for offering more than just a policy — CNA delivers experience that helps its customers tackle their challenges and risks.

The purpose of this article is to provide information, rather than advice or opinion. It is accurate to the best of the author's knowledge as of the date of the article. Accordingly, this article should not be viewed as a substitute for the guidance and recommendations of a retained professional. Any references to non-CNA websites are provided solely for convenience, and CNA disclaims any responsibility with respect to such websites.

To the extent this article contains any examples, please note that they are for illustrative purposes only and any similarity to actual individuals, entities, places or situations is unintentional and purely coincidental. In addition, any examples are not intended to establish any standards of care, to serve as legal advice appropriate for any particular factual situations, or to provide an acknowledgement that any given factual situation is covered under any CNA insurance policy. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All CNA products and services may not be available in all states and may be subject to change without notice.

"CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" trademark in connection with insurance underwriting and claims activities. Copyright © 2017 CNA. All rights reserved.

One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. Read CNA’s General Disclaimer.
One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. Read CNA’s General Disclaimer.
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