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CNA Connect for Small Businesses

CNA Connect, our flagship Businessowners Policy (BOP), provides the flexibility and tailored coverage small business owners need to keep business at its best.

Need more information about managing your business risks?

For small businesses, preparing for the unexpected is key to keeping up with the competition and safeguarding a successful future, but that means addressing a company’s unique risks and challenges today through agent-inspired innovation. That is where CNA Connect comes in.


CNA Connect offers a broad range of Property and General Liability coverages for over 600 classes of business to help address areas such as risks to buildings, business income, business personal property, computer equipment, accounts receivable, money and securities, and more. There are also more than 300 optional coverage endorsements that offer increased deductibles and a wide range of limits. Plus, our Businessowners Policy offers a large number of coverages with increased limit options on a single policy, along with the ability to exclude coverages and reduce premiums.

Our Underwriting, Risk Control and Claims teams have decades of experience working directly with small businesses. From innovative, tailored solutions to flexible billing plans, CNA Connect makes it easier than ever to manage cash flow and minimize the guesswork of insurance costs – making it the clear choice for small business owners.

Our Coverages

CNA Connect includes a range of coverages tailored to the specific risks of small business owners — many of which aren’t typically offered in today’s competitive marketplace.


  • Business Income and Extra Expense included on a 12-month Actual Loss Sustained basis, with options to increase up to 24 months
  • Coinsurance waived on Building and Business Personal Property (BPP)
  • Inflation Guard of 3% for Building and BPP with additional percentage options available
  • Seasonal increase provided for up to 25% over BPP limits
  • Accounts Receivable included at $25,000
  • Appurtenant Buildings & Structures included at $50,000
  • Building Glass included in the Building and BPP limits
  • Business Income and Extra Expense Dependent Property included with the option of increasing limits, if needed
  • Extended Business Income automatically included at 60 days, with options to select up to 365 days
  • BPP limit at the described premises also applies to BPP in transit and off premises (up to 60 consecutive days at a temporary location)
  • Civil Authority provided for up to four weeks with a 24-hour deductible
  • Computers, Software and Data (EDP) on premises included up to $50,000 (limit is in addition to the Business Personal Property limit)
  • EDP, including Laptops and PDAs, off premises worldwide included up to $25,000
  • Equipment Breakdown included up to the Building and BPP limits, with an option to exclude, if desired
  • Business Income Loss as a Result of Equipment Breakdown covered on an Actual Loss Sustained basis
  • Business Income and Extra Expense as a result of interruption of computer operations (EDP, including website) covered on an Actual Loss Sustained basis with a 12-hour deductible
  • Employee Dishonesty, along with Forgery and Alteration, included up to $25,000, with optional limits available
  • Fine Arts included up to $25,000, with optional limits available
  • Identity Theft/Recovery Expense for business owners included up to $25,000
  • Money and Securities included up to the BPP limit
  • Newly Acquired/Constructed Property coverage provided at $1M for Buildings and $250K for BPP and $250K for Business Income and Extra
  • Ordinance or Law, Demolition, Increased Cost of Construction automatically included up to $25,000, with optional limits available
  • Signs included up to the BPP limit 
  • Targeted Hacker Attack coverage for Direct Damage and Business Income included up to $25,000
  • Valuable Papers and Records included up to $25,000


  • Aggregate Limits of Insurance automatically apply per location for Premises Liability
  • Blanket Additional Insured - Liability Extension automatically included
  • Blanket Additional Insured - Owners, Lessees or Contractors with Products Completed Operations Coverage automatically included for Contractors
  • Damage to Premises Rented to You automatically included at $1,000,000
  • Employment Practices/Fiduciary Liability included at $10,000 for the majority of our classes, with optional limits available
  • Professional Liability optional coverages available as endorsements to CNA Connect for a wide array of insureds – from barbers to veterinarians to hearing aid establishments and more
  • Data Breach Liability and Privacy Event Expense provide critical coverage for any business that collects private information, available as an endorsement


  • Eighteen Choice Endorsements are available to provide an assortment of Property coverages relevant to the insured’s specific class or industry
  • Scheduled Property is available for seven different categories of BPP located off premises at another location for more than 60 consecutive days
  • Blanket Building or Blanket BPP with options available at no additional premium charge
  • Passport AccessSM endorsement available for International Personal Property, International Confiscation, Expropriation, Nationalization, Automobile Difference in Conditions Liability, International Kidnap and Ransom/Wrongful Detention coverage, and also includes expanded Liability coverage territory

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