7 years of placement experience with the commercial specialist. CNA does one thing — commercial insurance — and has done it for 125 years. Here's what that means for your business.
CNA Financial Corporation has been in commercial insurance since 1897 — over 125 years focused exclusively on business coverage. Today CNA is the 7th largest U.S. commercial property and casualty insurer with $15 billion in annual revenue, $50.4 billion in invested assets, and operations in 59 offices across 11 countries. AM Best recently upgraded CNA's financial strength rating to A+ Superior, reflecting improved operating performance and balance sheet strength. S&P, Moody's, and Fitch all assign equivalent investment-grade ratings.
CNA does not write personal lines. Their entire focus — every underwriter, every claims professional, every risk management resource — is pointed at commercial insurance. That depth of specialization is exactly why we reach for them when a medical clinic, financial planner, or professional services business needs coverage that a generalist carrier might handle as an afterthought. CNA handles it as a core competency.
We have placed clients with CNA since 2018 across a specific set of business classes where their appetite and terms are consistently competitive: acupuncture, chiropractic, financial planning, craft and art supply retail, nonprofit redistribution, business consulting, photography, and insurance agencies. Their CNA Connect® BOP platform supports 600+ business types across 300+ coverage endorsements — one of the broadest small business menus in the commercial market. The PrepWise® risk management platform — available free to policyholders — adds industry-specific tools, webinars, and consulting that most carriers don't offer at any price.
After 7 years of placing medical and professional clients with CNA, here's what consistently stands out — validated by their own track record and our direct experience.
CNA is our first call for medical and professional clinic GL. Acupuncture, chiropractic, and other allied health practices have specific liability exposures that general market carriers often handle poorly — either with restrictive exclusions or inadequate limits. CNA's healthcare business unit understands these exposures. In our 7 years of placement, medical clinic clients have been consistently well-served — stable rates, easy to work with, and no complaints from our book.
CNA's small business BOP platform supports over 600 business types with more than 300 coverage endorsements. That breadth means we can find a fit for an unusual business class that other carriers decline or quote with inadequate terms. Financial planners, photography studios, nonprofits, insurance agencies — these are classes where CNA has intentional appetite and purpose-built coverage, not a generic GL form with a business name filled in.
CNA's general liability aggregate limits go up to $4 million — well above the $2 million that many BOP-style products cap at. For professional and medical businesses where a single claim could be substantial, higher aggregate limits are a meaningful differentiator. Clients who need more protection than standard limits provide don't have to go to a surplus lines carrier to find it.
CNA offers PrepWise®, a risk management platform available at no additional cost to policyholders. PrepWise includes industry-specific risk management tools, online training and webinars, and access to risk management consulting. For small professional practices that don't have an in-house risk manager, this is genuine added value — the kind of resource that helps prevent claims rather than just paying for them after the fact.
AM Best recently upgraded CNA to A+ Superior, reflecting improved operating performance and stronger balance sheet fundamentals. With $15 billion in annual revenue and $50.4 billion in invested assets, CNA has the financial capacity to handle significant commercial claims. For professional service businesses whose entire livelihood could be at risk from a single large claim, carrier financial strength is not a minor consideration.
CNA has written only commercial insurance for 125 years. No personal lines, no auto insurance, no homeowners — only business coverage. That single-minded focus produces underwriters who understand business exposures deeply, claims professionals who know commercial liability, and risk management resources built for businesses. For clients who want a carrier that treats their business as the primary customer, not a secondary market, that specialization matters.
CNA is a commercial-only carrier. These are the specific business classes and coverage lines we write through Options Insurance — all tailored for professional and medical clients.
Acupuncture clinics, chiropractic offices, and allied health practices are classes where CNA has purpose-built appetite. Their healthcare business unit understands the specific liability exposures these practices face — patient interaction, treatment outcomes, premises liability — better than a generalist carrier. Stable rates, competitive terms, and no surprises at renewal.
Financial planners and business consultants carry unique liability exposures — advice that doesn't perform as expected is a common source of claims. CNA's financial and management liability unit writes these classes with appropriate coverage forms and limits up to $4 million aggregate. For professionals whose business depends on their reputation and advice, this is coverage that actually fits.
CNA writes professional liability (E&O) for photographers — a class many carriers either decline or underwrite poorly. Photography E&O covers claims arising from failure to deliver contracted work, equipment failure causing missed coverage, or copyright and image disputes. For professional photographers whose livelihood depends on their work product, purpose-built E&O matters.
CNA writes GL for nonprofits involved in redistribution of goods — an unusual class with specific liability considerations around product condition and distribution. They also write GL for insurance agencies — a class we know well from the inside. Their appetite for these specific niches reflects the breadth of their 600+ class Connect® BOP platform.
CNA's small business BOP covers craft and art supply retail — a class with premises liability, product liability, and inventory coverage considerations. Their Connect® BOP platform's 300+ endorsements allow coverage to be tailored specifically to the retail environment, including business income protection for stores that would be materially impacted by an extended closure.
CNA note: CNA does not write personal lines. If your business clients also need personal home, auto, or umbrella coverage, we place those lines with other carriers in our portfolio and keep the commercial program with CNA. Their commercial-only focus is a strength, not a limitation.
No carrier is perfect. These are the honest gaps to know about before placing with CNA.
Consumer reviews of CNA claims handling are mixed — some customers report slow communication and unsatisfactory settlements. We flag this honestly because it's in the public record. Our experience placing medical and professional clients with CNA since 2018 has been different — no complaints, stable relationships, and claims handled professionally. The discrepancy may reflect the complexity of certain commercial claims categories, or the difference between agent-placed and direct channel clients. We monitor this and will update if our experience changes.
CNA does not publicly list their discount structure. You'll know what you pay when we quote you — but you won't find a menu of available discounts on their website. For clients who like to understand exactly how their premium is calculated, this can feel opaque. In practice, our agents work the underwriting relationship directly and ensure competitive terms. But it's worth knowing the transparency isn't there the way it is with some other carriers.
CNA does not write personal lines. If a business owner also wants home, auto, or umbrella through Options Insurance, those lines go to a different carrier. For clients who value having all their coverage under one roof, CNA's commercial-only focus is a real limitation. We handle the split placement well — but it's worth knowing upfront that CNA is one piece of the puzzle, not the whole picture.
CNA is not the right carrier for residential construction contractors. Their appetite is focused on professional services, medical, and commercial operations — not residential builders and remodelers. For clients in residential construction, we have other carriers in our portfolio better suited to that risk profile. CNA's underwriters will let us know quickly if a class isn't in appetite, which lets us pivot efficiently.
After 7 years of placing professional and medical clients with CNA, here's an honest picture of who belongs with them — and who we'd place elsewhere.
For professional and medical businesses, CNA's primary comparisons are other commercial specialists. Here's how CNA stacks up against two other carriers we represent. All three are available through Options Insurance.
| Category | CNA via Options Insurance |
The Hartford | Travelers |
|---|---|---|---|
| AM Best Rating | A+ Superior (recently upgraded) | A+ Superior (recently upgraded) | A++ Superior |
| Commercial Focus | 100% commercial — no personal lines | Primarily commercial | Personal + commercial |
| Medical / Allied Health Appetite | Purpose-built — healthcare business unit | Available | Available |
| Professional Liability Classes | Very broad — financial, consulting, photography, nonprofits, agencies | Broad — financial, consulting, technology | Standard classes |
| GL Aggregate Limits | Up to $4M | Standard limits | Standard limits |
| Risk Management Platform | PrepWise® — free, industry-specific tools + webinars | Available | Limited |
| BOP Business Classes | 600+ classes, 300+ endorsements | Broad | Broad |
| Residential Construction | Not in appetite | Available | Available |
"My medical clinics do really well with CNA. Stable rates, easy to work with, no complaints here. When professional or medical clients need great coverage and competitive terms, CNA is the answer. Their 125 years of commercial-only focus means they understand these exposures at a depth that generalist carriers don't — and the PrepWise® risk management platform is something most clients don't even know about until we place them. After 7 years of placement, they remain one of our first calls for professional and medical GL."
— Dane Roti, Commercial Lines Agent, Options Insurance
Already a CNA client through Options Insurance? Here are the resources you need.
Available 24/7 via phone. You can also report online at cna.com/claims-center, by email, or by fax. CNA's commercial claims professionals have deep expertise in the specific business classes they cover.
General policy and billing inquiries. For most policy changes and questions, your Options Insurance agent is the fastest route — we manage the CNA relationship directly on your behalf.
Manage your policy and access PrepWise® — the free risk management platform included with your CNA policy. PrepWise includes industry-specific tools, online training, webinars, and consulting resources tailored to your business type.
CNA's free risk management platform for policyholders. Access industry-specific risk guides, compliance checklists, safety training, and webinars. Ask your Options Insurance agent for access details when your policy is placed. This is the feature most clients don't know about until after they're placed.
Dane is Options Insurance's lead commercial lines agent and the primary placement agent for CNA. He specializes in GL and professional liability for medical clinics, financial services professionals, and specialty business classes. "My medical clinics do really well with CNA. Stable rates, easy to work with, no complaints here."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll compare CNA against our other top carriers and give you an honest recommendation.
We'll assess your business class and coverage needs, compare CNA against our other commercial carriers, and find the right fit.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance has a commercial relationship with CNA as an appointed independent agent. This review is not sponsored, approved, or endorsed by CNA Financial Corporation. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. CNA does not write personal lines. Financial strength ratings sourced from CNA Fact Sheet, March 2026. PrepWise® is a registered trademark of CNA Financial Corporation. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.