1. business and industrial

Why CNA Connect ?
®
small business
CNA Connect® is our proprietary business owners’ policy, providing insureds superior protection in an unpredictable business
environment. Its comprehensive Property and Liability coverages can include Building, Business Income, Business Personal
Property, Computer Equipment, Valuable Papers, Accounts Receivable, Money and Securities, Back-up of Sewer and Drains
and much more.
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.
Some key points to consider:
• More coverage and higher limits available on a single policy
• The flexibility to exclude coverages to reduce premiums
• Increased deductible options for controlling risk
• A larger number of coverages with increased limit options
• Easy to tailor to specific customer needs
CNA Connect Liability Coverage Highlights*
®
General Liability optional limit of $2,000,000/$4,000,000 available
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.
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.
Professional Liability optional coverages are available as endorsements to CNA Connect® for the following insureds —
Barbers, Beauticians, Dental Laboratories, Florists, Funeral Directors, Hearing Aid Establishments, Kennels, Opticians & Optical
Goods Establishments, Pastors, Pet Groomers, Pet Sitters, Photographers, Printers, Veterinarians and Videographers.
*Not all coverages are available in all states.
**Class restrictions apply. Included for 99% of classes.
Why CNA Connect ?
small business
®
CNA Connect Property Coverage Highlights*
®
Key coverages built-in to the CNA Connect® base policy:
Business Income — Coverage is automatically included on
a 12 months Actual Loss Sustained basis. Many competitors
have a specific waiting period and payroll limitation which CNA
Connect® does not have.
Business Income, 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.
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% 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 Business Personal Property 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.
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 $25,000
limit, with options up to $1,000,000 available. Most competitors
include a $10,000 limit and maximum options end at $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.
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.
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.
Enhanced Replacement Cost for Buildings — 25% Enhanced
Replacement Cost is available for building owners at a very
nominal charge.
Blanket Building or Blanket Business Personal Property —
Blanket options are available at no additional premium charge.
Computers Off Premises, including laptops and PDAs —
We include coverage worldwide at a $25,000 limit. 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.
When it comes to making it easier to write Small Business … we can show you more ®.
For more information, contact your Field Sales Specialist or visit www.cna.com.
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. Copyright © 2010 CNA. All rights reserved.
SB WHY CONN 090710
Smart Choice
Small Business Focus Classes
CNA Small Business currently offers a market for a broad variety of businesses, representing a majority
of SICs. The list below represents a sample of those SICs where we have experienced exceptional
success locally. Please note that not all classes may be available in all areas.
Contact your Underwriter or Field Sales Specialist for more information!
Retail
5661
Shoe Store
6211
5719
Housewares Store
6211
5731
Radio, TV, Consumer Electronics & Music Store
64111
5736
Musical Instrument Store
64112
5942
Book Store
7291
59942
News Dealers-Stand
8721
5941
Sporting Goods Store
8721
5947
Gifts, Novelty, Souvenir Store
5949
Fabric Store
0742
59995
Pet Store
65312
5961
Catalog and Mail Order House
72611
5962
Vending Machine Operations
7311
59991
Painting and Picture / Frame Store
81111
50471
Medical, Hospital, Surgical Supply Store
8711
78410
Video Tape Rental Store
8712
Technology
8713
4813
Telephone Communications
7389
4841
Cable & Other Pay TV Services
7389
4899
Communication Services
7389
5045
Computers & Computer Peripheral Equipment
Distributor
07521
51990
Audio Visual Equipment and Supplies Distributor
07522
5734
Computer / Computer Software Store
4724
7371
Computer Programming / Software
7251
Design / Website Development
7217
7372
Pre-Packaged Software
73190
7373
Computer Integrated System Design
7330
7374
Media Duplication
7375
7376
7377
7378
7379
Data Processing
Computer Facilities Management Service
Computer Renting or Leasing
Computer Maintenance & Repair
Computer Consultant
7331
7334
7336
7359
7384
73891
7622
7629
7991
Financial Services
Security & Commodity Broker and Dealer
Financial Planner
Appraiser and Claims Adjuster
Insurance Agent, Broker
Tax Return Preparation Service
Accounting, Auditing & Bookkeeping
Medical Billing Service
Professional Services
Veterinary Service
Real Estate Agent
Funeral Homes
Advertising Agency
Lawyers Office
Engineering Service
Architectural Service
Surveying Service
Sales, Service/Consulting Organization
Wedding Consultant
Credit and Debt Counseling
Business Services
Dog/Pet Training
Kennels
Travel Agency
Shoe Repair and Shoe Shine
Carpet and Upholstery Cleaner
Manufacturers Representative
Stenography, Typing and Court
Reporting
Direct Mail Service
Photocopy, Duplicating Service
Commercial Art & Graphic Design
Office Equipment Rental & Leasing
Photofinishing Lab
Recording Studio
Radio, Stereo, TV Repair
Appliance Repair
Spas or Personal Enhancement Facilities
17990
17991
51910
73898
Construction / Services
Swimming Pool Installation, Service and
Repair
Fence Dealer (with installation)
Lawn Care and Maintenance
Swimming Pool Maintenance
51991
51991
51991
51991
51992
51992
51992
51992
51993
5112
Distributor/ Manufacturing
Newspaper Publisher
Home Accessories, Wholesale
Books, Periodicals & Newspapers, Wholesale
Wig Distributor
Beverage Coolers Wholesale
Clocks & Watches Wholesale
Dry Cleaning Plant Equipment & Supplies
Wholesale
Leather Goods Wholesale
Pet Supplies Wholesale
Religious Goods Wholesale
Signs Wholesale
Baskets Wholesale
Candles Wholesale
Gifts, Novelties & Souvenirs Wholesale
Jewelry Boxes Wholesale
Ice Cream and Ices Wholesale
Stationery & Office Supplies Wholesale
8071
8072
8031
8041
8042
8043
8049
8011
8011
Healthcare
Medical Lab
Dental Lab
Osteopathic Physician Office
Chiropractors Office
Optometrists Office
Podiatrists Office
Health Practitioners Office
Offices & Clinics of Medical Doctors
X-Ray, MRI and Imaging Lab
2711
50230
5192
51990
51991
51991
51991
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
service mark registered with the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved.