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SORCE for Retail

CNA is proud to offer our School of Risk Control Excellence (SORCE®), world-class training to help retail firms control their risk and manage their exposures.

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Insurance for Small Retail Businesses

Our wide range of general and specialty coverages help retailers safeguard their inventory, property, customers and employees

As a retailer, you operate in an unpredictable business climate. You're not just running a store; you're maintaining a brand and a hard-earned reputation. No matter how large your business, you're responsible for protecting your inventory, property, employees, and your customers' personal and payment information.
So, when it comes time to decide on which A-rated insurance carrier to rely on, you want to make sure you're working with an insurance agent who understands your unique retail small business insurance needs. CNA offers coverage for nearly every type of retail small business, including apparel, accessories, bakeries, clothing, coffee, floral, flower, general gift, hardware, ice cream, jewelry, mercantile, novelty, souvenir, sporting goods, spice, coffee or tea shop, and many others.

At CNA, we understand the challenges you face every day that you open your doors — from complex supply chain issues to identifying the right mix of cash flow and investment for the future. We offer retail insurance products you need to help manage your risks, such as comprehensive Property and Liability coverage, Cyber Liability insurance, Business Interruption and Commercial Crime. We've also developed a unique package policy specifically tailored for the retail industry. CNA Connect®, our business owners policy (BOP), combines Property, General Liability and Business Interruption coverages for small businesses.

CNA's Risk Control consultants develop self-help tools for retailers that provide tips on operational changes you can make to avoid the most common claims. Our dedicated underwriting professionals can tailor end-to-end programs for retailers across the full spectrum of trades, while our highly skilled claim service staff works hard to get your business back up and running when you need it most.


Learn more about our broad portfolio of insurance solutions specialized to meet the needs of your business.

CNA offers a broad portfolio of insurance solutions — from general liability to property to professional and management liability and more — specialized to meet the needs of your business.


Explore our services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

CNA offers an array of services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

Small Business Insurance Fundamentals

Learn more about how to identify the insurance and services you need to safeguard your small business.

For your small business, having the right kind of insurance is critical to success. Are you looking to learn more about the kinds of insurance coverage you need before you contact your local independent agent or broker? We've developed some helpful resources and tools to get you started.

What kind of insurance do I need?
Identifying the right coverages that address your risk exposures and your greatest challenges is important. To help determine your business insurance needs, use this checklist to help guide your discussion with your independent insurance agent.

Why use an independent agent?
Dedicated to offering the broadest selection of policies and coverage to best meet their customers' needs, independent agents represent multiple product lines from more than one carrier. CNA is proud to support the Independent Insurance Agents & Brokers of America and their Young Agents Committee. Find a local independent agent for you.


What is risk control?
For small businesses, preventing and controlling risk can be just as important as being properly covered. CNA Risk Control offers a wide range of services focusing on management accountability, cost drivers and business solutions to help you improve your bottom-line profit.

How can I prepare for an emergency?
Learn how to safeguard your small business, your employees and your family in the event of an emergency by visiting Resources to Manage & Reduce Risk for online tools and resources from CNA's own business continuity planners and government organizations.

How can I better prepare for my policy renewal?
Your independent insurance agent is your best resource to ensure your small business has the proper insurance coverage as it changes and grows year over year. Review this list of 10 items to prepare for your conversation about how your business and its insurance needs have changed since your policy was issued.


Warranty and Alternative Risks

Small Business Owners Policy (BOP)

Commercial Auto

Commercial General Liability

Directors & Officers (D&O)

EcoCare Property Upgrade Extension Endorsement

Employment Practices Liability (EPL)

Equipment Breakdown

Fidelity and Commercial Crime

Ocean Marine

Inland Marine

Product Recall Expense Coverage Endorsement


Umbrella Liability

Workers’ Compensation


Direct Bill Services

CNA Claim Services

Need more information about managing your business risks?