Business Owners Policy

Business Owners Policy  


As a smaller or independent professional services provider, preparing for the unexpected isn't just a good idea it's critical if you want to keep up with the competition and grow your organization. While keeping pace, you also want to ensure that you safeguard your company's future. To address your challenges, you should consider a broad range of property and liability small business insurance coverages such as building, business income, business personal property, computer equipment, accounts receivable, money and securities, and more.

That's why we created CNA Connect® for providers of professional services, like your firm. CNA Connect®, our business owners policy (BOP), offers broad and relevant small business insurance coverage, with customized endorsements that offer increased deductible options and a wide range of limit options. CNA Connect offers coverage and higher limits on a single policy, with the flexibility to exclude coverages to reduce premiums and the ability to tailor coverages to meet your specific needs.

Customized coverages for court reporters, captioners and videographers — policies that meet a wide range of needs.

CNA Connect® provides small business clients broad and relevant protection, with more than 300 optional coverage endorsements that offer increased deductible options and a wide range of limit options for both Property and General Liability coverages. Many of the coverage options are uniquely designed and not typically offered in today’s competitive marketplace. By being available for a broad range of businesses, easy to quote and flexible in its design, CNA Connect® makes it easier to do business with us and makes CNA the clear choice for small business insurance.

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  • CNA Connect® Liability Coverage Highlights*

    Agents have the authority to quote General Liability optional limits of $2,000,000/$4,000,000 on most classes.

    Aggregate limits per location for Premises Liability included — Many competitors do not include this policy language and would need to endorse the policy in order to make this coverage available, triggering an additional premium charge.

    Blanket Additional Insured included — Most competitors do not include this policy language and would need to endorse the policy in order to make this coverage available, triggering an additional premium charge. This endorsement includes:

    • 9 types of Additional Insureds.
    • Damage to Premises Rented to You.
    • Broad Knowledge of Occurrence.
    • Blanket Waiver of Subrogation.
    • Expanded definition of Bodily Injury to include mental anguish.
    • Expanded definition of Personal & Advertising Injury to include discrimination & humiliation that results in injury to the feelings or reputation of a natural person.

    Employment Practices/Fiduciary Liability** at $10,000 included, with options up to $500,000 available — 
    CNA Connect® includes this coverage. Many competitors will only add Employment Practices Liability to the policy, for an additional premium charge.

    Passport AccessSM endorsement available — Provides coverage for International Personal Property, International Confiscation, Expropriation, or Nationalization Coverage, Automobile Difference in Conditions Liability and International Kidnap and Ransom/Wrongful Detention Coverage, as well as expanding the Liability coverage territory. Only a handful of business owners’ policies offer an international endorsement and many of those offer less coverage than CNA’s Passport AccessSM.

  • CNA Connect® Property Coverage Highlights*

    Key coverages built-in to the CNA Connect® base policy:

    Coinsurance — CNA Connect® waives coinsurance. Not every business owners policy does this; many carriers still charge a coinsurance penalty on building or business personal property that is not insured to value.

    Business Income and Extra Expense — Coverage is automatically included on a 12-month Actual Loss Sustained basis, with options to increase up to 24 months, which many competitors do not offer. Additionally, many competitors have a specific waiting period and payroll limitation, which CNA Connect® does not have.

    Business Income and Extra Expense, Dependent Property — Coverage is included at a $10,000 limit with the option of increasing limits to $1,000,000, if needed. Many competitors offer lower limits, or do not offer this coverage in their base product.

    Extended Business Income — Coverage is automatically included at 60 days, with options to select up to 365 days, which most competitors do not provide.

    Business Personal Property — The Business Personal Property (BPP) limit at the described premises also applies to BPP in transit and off premises (up to 60 consecutive days at a temporary location). Many competitors include a small sub-limit for BPP in transit or fewer days for BPP at temporary locations.

    Equipment Breakdown — Is included as a cause of loss, with an option to exclude if desired.

    Business Income Loss as a Result of Equipment Breakdown — We cover this on an Actual Loss Sustained basis. Many competitors do not include this level of coverage and have a waiting period.

    Inflation Guard — CNA Connect® includes an inflation guard of 3 percent for Building and Business Personal Property coverage with additional percentage options available.

    Money and Securities — Coverage is included within the definition of Business Personal Property and up to the BPP limit. Many competitors do not include money and securities in the definition of BPP and only provide minimal limits.

    Computers, Software and Data (EDP) — We include coverage at $50,000 for on premises EDP. This is in addition to the Business Personal Property limit.

    Computers Off Premises, including Laptops and PDAs — We include coverage worldwide at a $25,000 limit. Higher limits are available. Many competitors do not include worldwide coverage and only provide minimal limits of $1,000 to $5,000.

    Business Income/Extra Expense as Result of a Computer (EDP, including website) Loss — We cover this on an Actual Loss Sustained basis with a 12-hour deductible. Many other business owners policies have a short time limit or small maximum dollar limit included.

    Targeted Hacker Attack — Coverage is included at a limit of $25,000 Direct Damage and $25,000 Business Income. Coverage is provided when employees or customers hack into the insured’s computer systems and cause damage.

    Employee Dishonesty — Coverage is included at a $25,000 limit, with options up to $1,000,000 available. Many competitors do not include any Employee Dishonesty coverage in their base form, while others include a minimal amount of $10,000 with maximum options up to $250,000.

    Forgery and Alteration — Coverage is included at $25,000 limit, with options up to $1,000,000 available. Many competitors include a small amount with no options to increase.

    Fine Arts — Coverage is included at $25,000. Many competitors only include limits of $5,000 or $10,000 and do not value Fine Arts with market value as we do. Limits up to $1,000,000 available.

    Identity Theft/Recovery for Business Owners — Coverage is included at $25,000. Many competitors do not have this coverage available, or provide a lower limit.

  • CNA Connect® Base Coverage Summary

    The following assumes a customer purchases a CNA Connect policy with no modification to included limits:



    Building and Business Personal Property

    Insured Need

    Business Income and Extra Expense

    12 month actual loss sustained



    Seasonal Increase


    Arson and Theft Reward


    Claim Data Expense


    Debris Removal

    25% + $25,000

    Employee Dishonesty


    Expediting Expenses


    Fine Arts


    Fire Department Service Charge


    Fire Protective Equipment Discharge


    Forgery or Alteration


    Identity Theft/Recovery Expense


    Newly Acquired/Constructed Property

    $1M Bldg, $250k BPP, 180 days

    Ordinance or Law, Demolition, Increased Cost of Construction


    Outdoor Trees, Shrubs, Plants, Lawns


    Pollutant Clean Up and Removal

    $25,000 annual total

    Preservation of Property

    BPP limit up to 90 days

    Temporary Relocation of Property

    $50,000 up to 90 days

    Water Damage

    Included in Building/BPP Limit


    Accounts Receivable


    Appurtenant Buildings and Structures


    Building Glass

    Included in Building/BPP Limit

    BI and Extra Expense — Dependent Property


    BI and Extra Expense — Newly Acquired Property


    Business Personal Property Off Premises

    On Premises BPP Limit

    Civil Authority

    4 weeks/24 hour deductible

    Electronic Data Processing On Premises


    Electronic Data Processing Off Premises Worldwide


    Equipment Breakdown

    Equipment Breakdown limit equals Building + BPP limit

    Equipment Breakdown — Expediting Expenses


    Equipment Breakdown — Pollutants


    Interruption of Computer Operations

    Included in Business Income, 12 hour deductible

    Money and Securities

    Included in BPP Limit

    Money Orders & Counterfeit Paper

    Included in BPP Limit

    Non Owned Detached Trailers


    Outdoor Property


    Personal Effects



    Included in Building/BPP Limit

    Spoilage — Consequential Loss

    Included in BPP Limit

    Targeted Hacker Attack

    $25,000 Direct Damage/$25,000 BI and EE

    Theft Damage to Rented Property

    Included in BPP Limit

    Valuable Papers and Records



    General Liability

    Base Limit $1,000,000

    Medical Expenses

    Base Limit $10,000

    Damage to Premises Rented to You

    Base Limit $300,000

    Products/Completed Operations

    Base Limit $1,000,000

    Blanket Additional Insured – Liability Extension (Non-Contractor Classes)


    Blanket Additional Insured – Owners, Lessees, or Contractors with Products Completed Operations Coverage (Contractor Classes)


    Employment Practices/Fiduciary*Class restrictions apply, $10,000 not in AK or NY. $50,000 not in NY; No EPLI/Fiduciary in SD


  • Highlighting a few additional coverages available to add to the CNA Connect® base policy:

    Choice Endorsements — These property extensions provide an assortment of coverages relevant to the insured’s specific class or industry.

    Scheduled Property — Coverage is available for seven different categories of Business Personal Property that is off premises at another location more than 60 consecutive days or while rented or leased to others.

    Blanket Building or Blanket Business Personal Property — Blanket options are available at no additional premium charge.

    Data Breach Liability and Privacy Event Expense — Data Breach provides critical coverage for any business that collects private information, such as Social Security numbers, Healthcare Payer ID numbers or credit/debit card numbers.

    *Not all coverages are available in all states.

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. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All 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 ©2018 CNA. All rights reserved. SB5363CSB WHY CONN 061318


 *Not all coverages are available in all states.

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We're here to help! Please contact us in whatever manner is most convenient for you.


4050 114th Street
Urbandale, Iowa 50322
 M-F 9a-8p ET
[email protected]