CNA Insurance Company

What CNA Insurance Company does

CNA Insurance Company, operating through its publicly traded parent CNA Financial Corporation (NYSE: CNA), is one of the largest U.S. commercial property and casualty insurers with more than 125 years of operating history. The company underwrites a broad portfolio of standard and specialized lines — commercial property, casualty, cyber, marine, workers' compensation, management and professional liability, surety, warranty, and umbrella — for small business, middle market, and national accounts customers, alongside a large Affinity Programs business that serves more than 50,000 law firms, 155,000 lawyers, 23,000+ CPA firms, and tens of thousands of allied healthcare practitioners through exclusive MGU partnerships. Operations span 11 countries across North America and Europe through 70+ offices, supported by wholly owned operating subsidiaries including Continental Casualty, Columbia Casualty, CNA Hardy, CNA Canada, CNA Surety, CNA National, Cardinal E&S, and Ian H. Graham Insurance.

Distribution is multi-channel: independent agents and brokers handle the majority of commercial placement, a dozen-plus managing general underwriter (MGU) partners manage affinity program business (Aon Affinity, Victor, Euclid Transactional, Ian H. Graham, RISC), and a dedicated field sales team covers large enterprise accounts. Self-serve digital platforms include CNA Central and eSight. Underlying technology includes proprietary platforms (CNA ComPass, CNA Passport, CNA WorldPass, bONdLINE, PrepWise, SORCE, CNA CyberPrep, NetProtect 360), an enterprise AI foundation built with Quantiphi to unify global underwriting data, and the Atlassian Strategy Collection (Jira Align) for enterprise planning.

The business model is subscription-style recurring commercial insurance premiums with quote-based, risk-tiered pricing billed annually, monetized across both admitted and excess & surplus lines. CNA is a majority-owned subsidiary of Loews Corporation, holds an A+ (Superior) AM Best financial strength rating, and has delivered nine consecutive years of dividend increases, signaling underwriting discipline and balance-sheet resilience across cycles.

Name

CNA Insurance Company

Legal name

CNA Financial Corporation

Website

https://cna.com

Company type

Public

Founded year

1897

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

CNA Insurance Company is one of the largest U.S. commercial property and casualty insurers, underwriting standard and specialty lines for small business, middle market, and national accounts, with a sizable affinity program serving lawyers, accountants, and healthcare professionals across North America and Europe.

Ownership category

akta.pro rank

Product category

Commercial Property and Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), Excess Casualty (Lead/Umbrella/XS) (FSAJAGAA), Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

Keywords

• Commercial property casualty
• Professional liability insurance
• Cyber insurance products
• Workers compensation coverage
• Surety bond services

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices42 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Commercial Property and Casualty Insurance Premiums: CNA generates revenue primarily through underwriting commercial property and casualty insurance policies. The company offers a broad range of standard and specialized insurance products including casualty, property, cyber, marine, workers compensation, management liability, and specialty lines. Revenue is generated through premium payments from policyholders across commercial and professional liability segments.
2. Affinity Programs Gross Written Premium: CNA's Affinity Programs generate significant premium revenue through partnerships with managing general underwriters. The programs cover professional services, healthcare professionals, real estate agents, accountants, lawyers, and other affinity groups, contributing to over $1.4 billion in gross written premium per year.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CNA Insurance Company is one of the largest U.S. commercial property and casualty insurers, providing a broad portfolio of specialized insurance products and risk control services to businesses and professionals across the U.S., Canada and Europe. The company underwrites foundational package policies (CNA Connect for small businesses and CNA Paramount for mid-sized firms) alongside specialized lines including Commercial Auto, Cyber, Equipment Breakdown, General Liability, Management & Professional Liability, Marine, Property, Umbrella, Surety, Warranty and Workers' Compensation. Distribution is led through independent agents and brokers, a network of managing general underwriter (MGU) partners, and dedicated field sales for large national accounts.

Product overview

CNA Insurance Company offers a comprehensive portfolio of commercial property and casualty insurance products and services for businesses of all sizes. The core product architecture consists of foundational package policies (CNA Connect for small businesses, CNA Paramount for mid-sized businesses), supplemented by specialized insurance lines including Commercial Auto, Cyber, Equipment Breakdown, General Liability, Management & Professional Liability, Marine, Property, Umbrella & Excess Casualty, Warranty & Alternative Risks, and Workers' Compensation. The company also provides industry-specific solutions across Construction, Financial Institutions, Healthcare, Life Sciences, Manufacturing, Professional Services, Real Estate, and Technology sectors, as well as affinity programs for Accountants, Allied Healthcare, Architects & Engineers, Community Associations, Dentists, Lawyers, Nurses, Real Estate Agents, and Transactional Risk. CNA's service offerings include International Solutions, Middle Market and National Accounts programs, supported by risk control tools like PrepWise, SORCE (School of Risk Control Excellence), and Beyond HR. The company is also implementing an enterprise AI foundation with technology partner Quantiphi to unify data across its global operations.

Differentiator

Problem solved

Functional benefit

Brands

• CNA Connect: Small Businessowners Policy (BOP) providing flexible coverage for small businesses with over 600 classes of business coverage.
• CNA Paramount
• CNA Surety
• Cardinal E&S
• CNA National
• Dentist's Advantage
• Nurses Service Organization (NSO)
• Healthcare Providers Service Organization (HPSO)
• Victor Insurance Managers
• Euclid Transactional
• CNA CyberPrep
• NetProtect 360
• CNA eRiskHub
• bONdLINE
• CNA Passport
• CNA WorldPass
• CNA Companion Services
• CNA ComPass

Products and services

• CNA Connect (Businessowners Policy) Flagship Businessowners Policy providing flexible Property and General Liability coverages for over 600 classes of small business with 300+ optional coverage endorsements.
• CNA Paramount (Commercial Package Policy) Premier business package policy for mid-sized businesses integrating Property, Crime, General Liability, and Umbrella coverages into one seamless package.
• CNA Surety Surety and fidelity bonds for businesses across all 50 states, Canada and Puerto Rico, including bid, performance, payment, license, permit, public official, fiduciary, court, and miscellaneous bonds.
• Commercial Auto Insurance Coverage for bodily injury and property damage caused by owned, hired and non-owned vehicles used for business, with optional endorsements including Drive Other Car coverage for executive officers.
• Cyber Insurance Cyber insurance combining products and risk control resources to safeguard businesses from cybercriminals, including Network Failure, Dependent Business Income, Wrongful Collection, Broad Media, E-Theft and Social Engineering, Reputational Harm, Voluntary Shutdown, and PCI coverage.
• Equipment Breakdown Insurance Coverage against financial loss due to accidental breakdown of certain machinery and equipment, including repair or replacement, lost income, and extra expense of getting back to business.
• General Liability Insurance Commercial General Liability insurance to protect businesses from claims pertaining to employee injuries or damages to another's property, covering slips, trips, falls or property damage.
• Management & Professional Liability Insurance Insurance addressing a wide range of exposures including Directors & Officers Liability (D&O), Employment Practices Liability (EPL), Fiduciary Liability, Fidelity and Crime insurance, and Kidnap, Ransom and Extortion insurance.
• Marine Insurance Inland & Ocean Marine Insurance covering contractors equipment, electronic data processing, fine arts, medical equipment, transportation, wholesale distributors, ocean cargo, commercial hull, and marine liabilities.
• Property Insurance Commercial Property Insurance providing coverage for losses to property owned by a business and legal liability resulting from damage to property of others in care, custody or control.
• Umbrella & Excess Casualty Insurance Umbrella and Excess Liability insurance solutions providing businesses with streamlined coverage to protect against catastrophic loss, with built-in coverage enhancements for key employee replacement, crisis management, and waiver of subrogation.
• Warranty & Alternative Risks Warranty insurance experience and tailored solutions for businesses, including consumer and commercial warranty, vehicle warranty (via CNA National), and contractual liability insurance.
• Workers' Compensation Insurance Workers' Compensation insurance covering companies and employees for work-related injuries or illness, providing coverage for medical expenses and wage replacement.
• Primary Casualty Insurance Holistic and tailored coverages for large businesses including Automobile Liability, General Liability, Physical Damage, and Workers' Compensation, with capabilities spanning Guaranteed Cost through Loss Sensitive program structures.
• International Solutions Expertise, products and capabilities to tailor insurance for international businesses with complex local policy requirements across 200+ countries and territories.
• Middle Market Solutions Insurance solutions for middle market businesses with deep industry knowledge, multi-line expertise and tailored products across a broad spectrum of industries.
• National Accounts Innovative insurance solutions for large businesses with specialized underwriting talent and coverages across Property, Casualty and Financial Lines.
• Small Business Solutions Insurance solutions tailored for small businesses, including the CNA Connect Businessowners Policy and various industry-specific coverages.
• Excess & Surplus (Cardinal E&S) Brand dedicated to serving the wholesale excess and surplus insurance market through Cardinal E&S.
• Affinity Programs Affinity Programs deliver deep expertise, dedicated resources and creatively tailored solutions for an array of industries and business sizes, including Accountants, Allied Healthcare, Architects & Engineers, Community Associations, Dentists, Lawyers, Nurses, Professional Services, Real Estate, and Transactional Risk programs.

Quantifiable outcome

• Time to surface data to underwriters reduced from days or weeks to minutes and hours through AI implementation
• +3 more outcomes

Named customers6 records

Segments12 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature10 records

Partnerships

16 partnerships are on record, tiered core and major.

• QuantiphicoreTechnology or IntegrationCNA built a unified enterprise AI foundation with technology partner Quantiphi to address fragmented, siloed data challenges across global commercial insurance operations. The implementation reduced time to surface data to underwriters from days or weeks to minutes and hours, enabling consistent decision-making across operations in 11 countries.
• AtlassiancoreTechnology or IntegrationCNA implemented Atlassian's Strategy Collection, anchored by Jira Align, to unify strategic planning and execution across 15 portfolios over seven months. The transformation replaced fragmented spreadsheets with live data and automated workflows, delivering 1.2 million to 1.5 million automations annually and $3.5 million to $4 million in time savings. CNA is exploring Atlassian's AI product Rovo.
• Aon Affinity Insurance ServicescoreChannel Partner/ Reseller/ DistributorCNA partners exclusively with Aon Affinity as managing general underwriter (MGU) for multiple affinity programs including Healthcare Providers Service Organization (HPSO) for allied healthcare professionals, Nurses Service Organization (NSO), and Accountants Professional Liability program through AICPA. Aon Affinity manages program business and distribution for over 200 allied healthcare practitioner classes.
• Victor Insurance ManagerscoreChannel Partner/ Reseller/ DistributorCNA partners with Victor Insurance Managers as MGU for Architects & Engineers Professional Liability program (endorsed by NSPE) and Real Estate Agent Professional Liability insurance. Victor has been providing A&E insurance since 1957. The relationship is open brokerage with many Victor brokers also appointed by CNA for property and casualty needs.
• Ian H. Graham Insurance (Aon Affinity subsidiary)coreChannel Partner/ Reseller/ DistributorSince 2001, CNA has underwritten a not-for-profit Directors & Officers Liability and Crime program with exclusive MGU partner Ian H. Graham Insurance. The program is endorsed by Community Associations Institute (CAI) and available in 49 states. Ian H. Graham acts as MGU accepting submissions from any licensed agent.
• Euclid TransactionalcoreChannel Partner/ Reseller/ DistributorCNA partners with Euclid Transactional as MGU for Transactional Liability insurance covering Representations & Warranties, Tax insurance and Contingent Liability. Euclid is a marketing-leading firm specializing in transactional insurance products written on surplus lines basis on Columbia Casualty Company paper.
• Rice Insurance Services Company (RISC)coreChannel Partner/ Reseller/ DistributorCNA is the contracted provider of mandatory Errors & Omissions insurance by controlling all state-mandated programs through Rice Insurance Services Company. RISC acts as program administrator for group policies issued to state Real Estate Commissions where licensed real estate agents pay individual premiums for coverage.
• State Bar Associations (Colorado, Iowa, Massachusetts, New York, Pennsylvania)majorChannel Partner/ Reseller/ DistributorCNA is the bar-endorsed LPL insurer for Colorado, Iowa, Massachusetts, New York and Pennsylvania state bar associations, plus other city and county bar associations. This endorsement provides preferential distribution access to lawyer professional liability insurance for attorneys in these states.
• National Association of Realtors (NAR)majorChannel Partner/ Reseller/ DistributorCNA is the preferred carrier for professional liability programs for the National Association of Realtors (NAR) REALTOR Benefits program through MGU partner Victor. CNA has been providing Real Estate Agent Professional Liability insurance since 1988.
• American Institute of CPAs (AICPA)majorChannel Partner/ Reseller/ DistributorSince 1993, CNA has been the exclusive Accountants Professional Liability underwriter for the American Institute of CPAs through managing general underwriter partner Aon Affinity. Over 23,000 CPA firms are insured through this program.
• National Society of Professional Engineers (NSPE)majorChannel Partner/ Reseller/ DistributorCNA's Architects & Engineers Professional Liability program is endorsed by the National Society of Professional Engineers (NSPE). CNA was the first insurer to offer A&E Professional Liability insurance.
• Healthcare Providers Service Organization (HPSO)coreChannel Partner/ Reseller/ DistributorSince 1984, CNA has provided Professional Liability insurance for allied healthcare professionals exclusively with MGU partner Aon Affinity, marketed as Healthcare Providers Service Organization (HPSO). The program is backed by over 40 professional healthcare associations and offers solutions to over 200 allied healthcare practitioner classes.
• Nurses Service Organization (NSO)coreChannel Partner/ Reseller/ DistributorSince 1984, CNA has underwritten professional liability insurance for nurses exclusively with MGU partner Aon Affinity, marketed as Nurses Service Organization (NSO). NSO is the preferred provider endorsed by over 80 national, state and specialty healthcare associations including the American Nurses Association.
• Dentist's Advantage (Aon Affinity)coreChannel Partner/ Reseller/ DistributorIn November 2017, CNA partnered with Aon Affinity to act as MGU for mutually exclusive program Dentist's Advantage, providing malpractice insurance for individuals and small groups of dental professionals. CNA is the lead corporate sponsor for the Academy of General Dentistry (AGD) and program is supported by the National Society of Dental Practitioners.
• WorkdaycoreTechnology or IntegrationCNA uses Workday as its e-commerce solution for purchasing, invoicing and payments. Suppliers must set up profiles on Workday Unified Supplier Portal (USP) to transact with CNA. The USP enables efficient invoice submission, instant visibility into PO and invoice status, and efficient payment processing.
• ProcessUnitycoreTechnology or IntegrationCNA's Third Party Risk Management team utilizes ProcessUnity as its platform for performance of supplier due diligence. Suppliers respond to Due Diligence Questionnaires, provide evidence, and work with CNA to remediate identified issues through this platform.

Scale indicators13 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AIG: AIG is a direct peer underwriting commercial property, casualty, management liability, and specialty lines globally. Both companies serve large and middle-market commercial clients and compete directly in financial lines and excess casualty.
• Zurich Insurance Group: Zurich is a direct peer offering commercial P&C and specialty insurance globally, including international programs that overlap with CNA Hardy and CNA WorldPass. Both compete for multinational commercial accounts across North America and Europe.
• Markel Group: Markel is a direct peer in specialty insurance, particularly in professional liability, management liability, and excess & surplus lines. Both companies emphasize industry-specialty underwriting and longer-tenured broker relationships.
• Travelers: Travelers is a direct peer, one of the largest U.S. commercial property and casualty insurers with a comparable product mix spanning commercial package, management liability, surety, and cyber. Both compete for middle-market and national accounts through independent agent networks.
• The Hartford: The Hartford is a direct peer to CNA, writing commercial property and casualty, workers' compensation, and professional liability insurance for mid-sized and large businesses across the U.S. Both companies emphasize industry-vertical underwriting and independent agent distribution, with overlapping exposures in construction, manufacturing, and professional services.
• AXA XL: AXA XL is a direct peer in specialty and commercial P&C, with strong positions in professional liability, cyber, marine, and excess casualty. Both companies serve mid-to-large commercial accounts through broker distribution and overlap in architects & engineers, real estate, and cyber coverage.
• Chubb: Chubb is a direct peer underwriting commercial property, casualty, and specialty lines globally, with particular strength in large and middle-market commercial accounts. Both CNA and Chubb compete directly in management liability, professional liability, and international programs.
• W. R. Berkley Corporation: W. R. Berkley is a direct peer in specialty commercial insurance and excess & surplus lines. Both CNA and Berkley compete in specialty property, casualty, professional liability, and surety for middle-market and niche industry segments.
• Allianz Commercial: Allianz Commercial is a direct peer writing large commercial P&C, marine, and specialty insurance globally. Both companies serve multinational insureds through international program capabilities and compete for large corporate accounts.
• Liberty Mutual Insurance: Liberty Mutual is a direct peer in U.S. commercial P&C, including workers' compensation, commercial auto, property, and specialty lines through independent agents. Both companies serve middle-market and national accounts across similar industry verticals.

Market position

Weaknesses4 records

Competitive moat7 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cna_insurance
• Facebookfacebook.com/cnainsurance
• LinkedInlinkedin.com/company/cna-insurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries9 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CNA Insurance Company