CNA
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Overall appetite - CNA positions itself as a broad commercial carrier with targeted focus segments for both small business/BOP and larger middle‑market/national accounts. Appetite and capacity are strongest where CNA has industry specialization and risk control resources, and where it can write multiline packages (GL/Property/Auto/WC/Umbrella). Preferred / target industries (across Property, Package, Umbrella, WC) - Professional services: accountants, architects/engineers, lawyers, management consultants, real estate agents and similar office‑based consulting/service firms; professional liability often via MGU partners but supported by CNA package, property and umbrella. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Financial institutions: asset managers, banks and lending institutions, insurance companies, life agents/registered reps – typically targeted for multiline P&C including property, GL, umbrella and management/professional lines. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Technology: communications, electronics, media, software and IT services – targeted for BOP/Property, WC and umbrella, often combined with Tech E&O or cyber. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Healthcare and life sciences: aging services, allied healthcare facilities, dentists, clinics, hospitals, life sciences manufacturers and research labs; CNA highlights more than 50 years in healthcare and life sciences and actively writes BOP, WC, umbrella and specialized life science products. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Construction: commercial/industrial/institutional and civil contractors including concrete, electrical, GC, grading/excavation, highway/road, roofing, sheet metal/mechanical/HVAC/plumbing, and utility/excavation – typically written on package with umbrella support; expect more stringent underwriting on WC and auto‑driven exposures. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Manufacturing: especially automotive components, commercial electrical equipment, fabricated metal, industrial/commercial machinery, plastics, rubber and electronics manufacturing; CNA provides coordinated property and casualty programs including WC, GL, property and umbrella. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Real estate: commercial real estate managers and owners of office/light‑industrial/mixed‑use; large habitational risks on noncombustible construction (apartments/condos) are in appetite for Large Property. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Education and public entity (property): colleges, universities, schools; general government offices, water/sewage treatment, airports, local transit terminals – primarily for large property and package placements. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) - Service and hospitality: hotels/motels, art galleries/museums (structure only), auditoriums, convention centers, sports arenas/stadiums, various service establishments and wholesale distribution (especially food and beverage, metal products). ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) - Small business focus classes: CNA indicates it writes a broad variety of SICs with particular success in life sciences manufacturing, research labs, technology services, professional offices and similar main‑street and specialty classes using BOP, WC and umbrella. ([cna.com](https://www.cna.com/success-stories-small-business)) Workers Compensation - Appetite aligns with preferred industry verticals: professional offices, healthcare, light manufacturing, technology, life sciences, and select construction and service risks. - WC is commonly paired with BOP or package (e.g., life sciences manufacturers, computer programming/consulting, medical/X‑ray labs, lawyers and architects). ([cna.com](https://www.cna.com/success-stories-small-business)) - Expect typical WC underwriting controls: review of class codes, loss experience, safety culture and any severe injury potential (construction, manufacturing, healthcare patient‑handling). Commercial Property & Large Property - Large Property core appetite: total insured values roughly $75M–$1B, individual locations up to $400M, premiums >$100,000, 1–100 locations, deductibles generally $25,000–$500,000, with preference for programs where CNA can write the entire property tower. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) - Target property segments: education, financial services, healthcare, public entity, real estate (office, retail centers, noncombustible habitational), service establishments (hospitality, arenas, museums buildings only), and wholesale distribution, plus a range of manufacturing occupancies (foods, plastics/rubber, electronics, printing with non‑flammable inks). ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) - CAT stance: generally prefers non‑CAT portfolios but can entertain accounts with up to ~30% CAT‑exposed TIV. CAT, frame habitational, older protection, high‑hazard manufacturing and high‑crime urban locations will be more tightly underwritten and may require higher deductibles, limited participation or declination. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) Commercial Umbrella & Excess Casualty - CNA has written umbrella for more than 50 years and markets broad, flexible umbrella and excess programs, both for small business (BOP/WC/GL/Auto supported) and larger accounts. ([cna.com](https://www.cna.com/products/umbrella?utm_source=openai)) - Umbrella appetite is strongest when CNA controls the primary lines (GL, auto, employers liability/WC) for its focus industries (professional services, life sciences, technology, healthcare, real estate, manufacturing, construction, financial institutions). ([cna.com](https://www.cna.com/products/umbrella?utm_source=openai)) - Forms are designed to follow underlying terms and conditions with built‑in enhancements such as crisis management, key employee replacement and waiver of subrogation; underwriters emphasize technical review of underlying limits, carrier quality and loss history. ([cna.com](https://www.cna.com/products/umbrella?utm_source=openai)) Commercial Package / CNA Paramount & BOP (CNA Connect) - CNA actively uses combined packages (CNA Paramount) and BOP for targeted small business and lower‑middle‑market accounts, especially in life sciences, technology, professional services and medical‑related risks. ([cna.com](https://www.cna.com/success-stories-small-business)) - CNA Connect BOP and small commercial appetite (via CNA and appointed wholesalers) typically includes a wide variety of main‑street retail, service, office, healthcare and light manufacturing classes, with optional monoline WC and umbrella when supported by BOP/package. ([novusunderwriters.com](https://www.novusunderwriters.com/cna-connect-bop-program?utm_source=openai)) Restricted / declined classes (operational expectations) - CNA does not publish a single public "do not write" grid, but based on appetite materials and product positioning, agents should expect: - Limited interest in high‑hazard manufacturing (heavy chemical, high‑explosivity operations, heavy metal smelting, certain food with deep‑fat frying) outside specific, controlled programs. - Tight controls on heavy construction, street/road with poor loss history, and risks with significant residential construction defect exposure; underwriting review is required for large fleet or complex auto exposures. - Caution or potential declination for highly CAT‑exposed property schedules where CAT TIV exceeds approx. 30% of total portfolio or where construction/protection are substandard. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) - Limited or out‑of‑appetite for classes inconsistent with CNA’s published segment focus (e.g., certain entertainment venues without strong controls, distressed habitational, unsupported liquor‑driven bars/taverns) – these typically require pre‑discussion with the underwriter. - For professional liability in key professions (accountants, lawyers, A&E, real estate agents) CNA frequently uses MGU partners; direct submissions for those lines may be redirected, though package/umbrella may still be placed with CNA. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) Geographic notes - CNA is a national U.S. commercial carrier; appetite guides and small‑business case studies reference U.S. risks broadly with no routine state‑based exclusions published in these materials, but all products and services are noted as not available in all states and subject to change. ([cna.com](https://www.cna.com/system/files/agentcenter/cff03f2f-a47a-43f9-8982-d88c42313e18/Appetite-Segment_FINAL.pdf)) - Large Property material indicates preference for primarily non‑CAT accounts with some tolerance for CAT; specific coastal or high‑CAT states may have tighter limits, higher deductibles or restricted classes, to be confirmed with local underwriting. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) Submission expectations / broker instructions - CNA emphasizes working through its Agent Center and local underwriting offices; small business teams handle BOP/WC/umbrella with dedicated support, and larger risks are handled via middle‑market or national account underwriters by region. ([cna.com](https://www.cna.com/node/5621?utm_source=openai)) - For small accounts (BOP and related WC/umbrella), submissions are typically made through CNA’s online platforms or distributor portals; wholesalers accessing CNA are expected to provide completed ACORDs, 3–5 years of loss runs and any required supplemental applications by class. ([novusunderwriters.com](https://www.novusunderwriters.com/cna-connect-bop-program?utm_source=openai)) - Producer management: CNA requires agencies to maintain and periodically validate producer appointments; agencies must notify CNA when adding or terminating individual producers who will submit admitted business to avoid delays in accepting submissions. ([cna.com](https://www.cna.com/node/5621?utm_source=openai)) - For Large Property and more complex middle‑market packages and umbrellas, best practice is to discuss larger/coastal accounts, high‑hazard manufacturing or unusual exposures with the local CNA underwriter prior to full marketing to confirm appetite, capacity and required engineering/loss information. ([cna.com](https://www.cna.com/system/files/agentcenter/5f936f57-726f-4a85-ae9a-89d0bcf0b70b/LgPropSSLargePropertyOverview_CNA.pdf)) Operational use - Lead with CNA where the account fits the published focus segments (professional services, technology, healthcare/life sciences, financial institutions, real estate, targeted manufacturing, education/public entity) and where CNA can write a coordinated package including property, GL, WC and umbrella. - Pre‑clear risks with heavy CAT, distressed loss history, high‑hazard operations or unusual exposures with your CNA underwriter and be prepared for engineering requirements, higher deductibles or reduced capacity. - Use CNA’s small business/BOP platforms for main‑street risks and ensure submissions include complete ACORDs and recent loss runs to avoid processing delays. - Direct any questions about producer authority or appointment status to CNA’s agency administration contacts listed in the Agent Center communication; unappointed producers may experience binding or quoting delays until appointment is confirmed.