LinesBOP, WC, Commercial auto, Umbrella, Professional liability, Cyber
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Professional services | BOP | Most states | Actively written for BOP, auto, WC and umbrella: accounting, architectural and engineering consulting, management consultants, interior decorators, law offices, real estate agents, appraisers, graphic designers, tax preparers and travel agencies. CNA Connect limits for this group: $10M property per location, $30M receipts per policy, $10M WC payroll, 25 vehicles (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Offices | Umbrella | Most states | Technology (software development, IT consulting, data hosting, computer and electronics manufacturing, internet access providers) and financial institutions (financial planners, insurance agents, stockbrokers, title and closing agents) are actively written for BOP, auto, WC and umbrella. IT and software firms are eligible up to $10M property per location, $100M receipts and $75M WC payroll (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Healthcare | Commercial auto | Most states | Ambulatory surgery centers, medical offices, outpatient therapy, imaging centers, labs, dental offices, chiropractors and mental health clinics are actively written for BOP, auto, WC and umbrella, up to 25 vehicles per policy. CNA says auto may be written selectively until its expanded 2026 appetite is fully deployed (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Contractors | WC | Most states | WC actively written for electrical (within buildings), plumbing, painting (exterior limited to three stories), landscaping, pool and HVAC contractors; flooring, concrete, paving and countertop work are possible through a program. Auto is selectively or not written for all contractor classes. Limits: $3M property per location, $10M receipts, $1M WC payroll, 15 vehicles (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Retail | BOP | Most states | Actively written for BOP, auto, WC and umbrella: apparel and footwear, home goods, electronics and appliances, jewelry, sporting goods and food stores. Retail is eligible up to $10M property per location, $20M receipts and $5M WC payroll (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Restaurants | Umbrella | Most states | Coffee shops, bakeries and cafés, full-service restaurants and fast food and take-out are actively written for BOP, auto, WC and umbrella, within the same $10M property and $20M receipts limits as retail (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Real estate | BOP | Most states | Shopping centers and commercial units written as lessor's risk are actively written for BOP, auto, WC and umbrella, up to $10M property per location (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Wholesale | WC | Most states | Household goods, industrial supplies, paper and packaging, electrical and hardware, plumbing and HVAC, and scientific distributors are actively written for BOP and WC; umbrella too except scientific distributors. Auto is selectively or not written. Limits: $10M property per location, $10M receipts, $1.5M WC payroll (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026). |
| Manufacturing | Umbrella | Most states | Metal, plastic, textile and apparel, food and beverage, printing and paper, and sign, lighting and fabrication manufacturers are actively written for BOP, WC and umbrella; auto is selectively or not written. Life sciences manufacturers (pharma, medical devices, biologics) are written on all four lines (2026 CNA Small Business Appetite Guide). |
How to quote CNA
→Carrier portal. Quote directly in the CNA agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.