When a business needs commercial coverage that goes beyond the basics, CNA insurance is a name that comes up often. CNA is one of the oldest and largest commercial insurers in the United States, and it focuses on businesses rather than personal auto or home policies. This review explains what CNA offers, how strong it is, how to reach its claims team, and who it fits, with facts current as of July 2026.
Key facts at a glance
| Item | Detail |
|---|---|
| Founded | 1897 |
| HQ | Chicago, Illinois |
| Products | Commercial and specialty property and casualty |
| States/Region | Nationwide, business focus |
| AM Best | A+ (Superior) |
| Contact | 877-262-2727 (claims) |
What CNA Insurance is
CNA traces its roots to 1897 and is headquartered in Chicago, Illinois. It operates under CNA Financial Corporation and is a leading U.S. writer of commercial and specialty lines. Unlike carriers that chase personal car and home customers, CNA is built for the business world, from small companies to large corporations.
CNA sells through independent agents and brokers, not directly to the public. That means a commercial insurance professional usually helps design your coverage, which makes sense given how detailed business policies can get.
What CNA covers
CNA's strength is breadth of commercial and specialty coverage. Its lineup generally includes:
- Commercial property and general liability
- Workers' compensation
- Commercial auto
- Management and professional liability, including directors and officers coverage
- Specialty lines tailored to specific industries such as healthcare, technology, manufacturing, and financial services
- Surety bonds
This industry-specific focus is a big reason mid-size and larger businesses choose CNA. Instead of a one-size policy, you get coverage shaped around the risks of your field.
How strong is CNA financially
Financial strength is critical for commercial insurance, where a single claim can be large. CNA holds an A+ (Superior) rating from AM Best, the second-highest tier. That signals a strong ability to pay claims even during difficult years. Ratings can change, so it is smart to confirm the current rating when you place coverage.
CNA is a commercial carrier, so it will not cover your personal car, home, or apartment. To handle those, Insurify compares personal auto and home quotes from 120+ providers in one place and can point to savings of up to 50%. It is a practical way to line up your personal coverage while CNA handles the business side.
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What CNA costs
CNA does not publish set prices, and for commercial insurance that is normal. A business policy depends on your industry, size, revenue, claims history, location, and the exact coverages and limits you choose. Two businesses in the same city can pay very different premiums. Rates and terms vary, so any quote is specific to your operation.
Because CNA works through agents and brokers, the usual path is to have a broker gather a CNA quote and compare it against other commercial carriers for the same coverage: peers like Zurich Insurance, Chubb Insurance, The Hartford, and AIG Insurance. That comparison is the only reliable way to judge value.
CNA Insurance customer service and claims contacts
Here is how to reach CNA when you need help:
- Report a claim: 877-CNA-ASAP, which is 877-262-2727
- General customer service: 1-800-CNA-2000, which is 1-800-262-2000
You can also report and manage claims through CNA's online claims center. For most policy changes and coverage questions, your agent or broker is often the fastest first contact, since they hold the details of your program.
Many business owners still need everyday personal coverage that is quick to set up. Lemonade is an AI-driven insurer offering renters, home, pet, life, and car policies you can buy from your phone in minutes. It is a simple alternative for the personal side of your life while a commercial carrier like CNA covers the company.
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Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
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AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
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Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
Pros and cons of CNA
Pros
- More than a century of experience in commercial insurance
- A+ (Superior) AM Best rating
- Deep specialty coverage built around specific industries
- Broad claims and risk-control resources
Cons
- No personal auto, home, or renters coverage
- You buy through an agent or broker, not directly
- Best suited to established businesses, not startups seeking the cheapest basic policy
Who CNA is best for
CNA fits mid-size and larger businesses that want specialty coverage matched to their industry and value a financially strong carrier. Companies in healthcare, technology, manufacturing, and professional services often find CNA's tailored programs appealing. If you are a very small business looking for a fast, low-cost basic policy, a direct online insurer like biBERK Insurance or an agent-based carrier such as Acuity Insurance may be a better starting point.
What customers commonly report
Across public feedback, businesses often point to CNA's industry expertise and the depth of its specialty coverage as strong points. Some note that working through a broker adds steps compared with buying a simple policy online. Experiences vary by industry, broker, and claim, so your results may differ.
Frequently Asked Questions
Does CNA sell personal car or home insurance?
No. CNA focuses on commercial and specialty insurance for businesses. If you need personal auto, home, or renters coverage, you would look to a personal-lines insurer instead.
How financially strong is CNA?
CNA holds an A+ (Superior) rating from AM Best, the second-highest tier on that scale. That points to a strong ability to pay claims. Ratings can change over time, so confirm the current rating when you buy.
What is the CNA claims phone number?
To report a claim, call 877-CNA-ASAP, which is 877-262-2727. For general service, you can call 1-800-CNA-2000, which is 1-800-262-2000. You can also manage claims through CNA's online claims center.
How do I get a CNA policy?
CNA sells through independent agents and brokers rather than directly to the public. A commercial insurance professional helps design coverage for your industry, gathers a quote, and manages the policy. Rates and terms vary by business.
