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
CNA’s verified commercial appetite page remains the official Customer Segments Appetite PDF. Current published appetite emphasizes targeted growth in Construction, Technology, Financial Institutions, Healthcare, Professional Services and other broad commercial classes including Cultural Institutions, Education, Wholesale Distribution and Retail. For the listed lines, CNA positions Commercial Property across small, middle market and large accounts through CNA Connect, CNA Paramount and CNA Touchstone Property; property capacity notes include shared/layered placements up to $200M fire capacity, typical CAT deployment of $10M-$25M, monoline property capacity up to $750M, earthquake/SFHA capacity up to $15M, target TIV generally $5B or less, admitted and non-admitted quoting, and support for broker manuscript forms. CNA Paramount is aimed at mid-sized businesses and combines property, crime and GL with umbrella enhancements; Workers Compensation is marketed for any size business, and small business appointed agents can quote and bind Workers Comp directly in CNA Central. Umbrella/Excess is described as broad appetite with flexible underwriting, offered as lead umbrella, standalone umbrella for select lead placements, and follow-form excess for layered programs, with regional underwriting contacts published on the product page. Preferred/target classes specifically called out on the appetite guide include construction risks such as concrete, electrical, general contractors, grading/excavation, highway/street/road, roofing, sheet metal/mechanical/AC/plumbing, and utility/excavation; technology companies including communications, electronics manufacturers, media, software and IT services; and financial institutions including asset managers, banks/lenders, insurance companies, and life agents/registered representatives. CNA also publicly highlights broad small business appetite across business services, construction, financial institutions, healthcare, management consultants, professional services, lawyers, technology, life sciences, manufacturing, real estate, restaurants, retail, trade contractors and wholesale distributors. Restricted or declined classes are not explicitly published on the verified appetite or core product pages reviewed; underwriting appears class-selective rather than open-ended, so submissions outside named segments, higher-hazard CAT property, very large TIVs, or complex umbrella/excess structures likely require underwriter review. Geographic note: CNA states products and services are not available in all states, and not all coverages are available in all states; property pages also reference worldwide capabilities and international solutions, but this refresh is for U.S. commercial business. Submission/broker notes: agents and brokers are directed to CNA Central for small business quoting, with 80% of classes issued in real time and most others within two hours per CNA’s small business page; Workers Comp small business can be quoted and bound directly there. CNA also promotes Risk Control support, business continuity planning, sprinkler review, SORCE training and return-to-work resources as part of underwriting value-add. No newer official master appetite guide replacing the cited CNA appetite PDF was verified in this refresh.