Why CNA Matters for Commercial Agents
CNA Financial Corporation is one of the largest commercial insurance companies in the United States, consistently ranked among the top 10 commercial lines carriers by premium volume. Founded in 1897, CNA has over 125 years of commercial underwriting experience and a product portfolio that covers virtually every commercial risk segment.
For independent agents building a commercial book, CNA is particularly valuable in two scenarios: mid-market accounts where standard BOP carriers run out of road, and specialty lines needs (professional liability, cyber, management liability) where most agents don't have strong carrier access.
Commercial Lines Available Through IPA
Core Commercial Products
- Commercial Property: Building and business personal property coverage for mid-market accounts, including complex property schedules and locations.
- General Liability: Comprehensive GL for businesses across a wide range of industries and risk profiles.
- Commercial Auto: Fleet coverage for mid-market businesses with multiple vehicles.
- Workers' Compensation: WC programs across a broad range of industries and class codes.
- Commercial Umbrella/Excess: Higher liability limits above primary policies — critical for mid-market accounts with elevated exposure.
- BOP: Business Owner's Policy for smaller commercial accounts that fit CNA's eligibility criteria.
Specialty Lines — CNA's Strongest Differentiator
CNA's specialty lines capabilities are where they truly stand apart from standard commercial carriers:
- Professional Liability (E&O): Errors and omissions coverage for consultants, technology companies, architects, engineers, accountants, and dozens of other professional categories.
- Management Liability: Directors and Officers (D&O), Employment Practices Liability (EPLI), and fiduciary liability for businesses of all sizes.
- Cyber Liability: Data breach, ransomware, business interruption from cyber events, and regulatory liability coverage.
- Crime Insurance: Employee dishonesty, theft, forgery, and computer fraud coverage.
- Marine and Inland Marine: Coverage for goods in transit, contractors' equipment, and specialized property.
Industry Specialties
CNA has particularly deep expertise in:
- Technology and software companies
- Healthcare and medical facilities
- Financial institutions
- Construction and real estate
- Legal and professional services
- Nonprofit organizations
- Manufacturing and distribution
Getting Appointed Through IPA
CNA direct appointments typically require a track record of mid-market commercial production. Through IPA, you can access CNA's full commercial and specialty lines portfolio immediately:
- Write CNA commercial business under IPA's master agency relationship
- Access both core commercial and specialty lines products
- Support from IPA on complex submissions — particularly specialty lines
- No individual production minimums to begin writing CNA business
Ready to Access CNA Through IPA?
If you have mid-market commercial accounts or clients who need professional liability, cyber, or management liability coverage, CNA is a carrier you need in your lineup. Book a discovery call with IPA and we will show you exactly how to access CNA's full commercial and specialty portfolio.