StandardVerified Q1 2026
Source: CNA Industries
CNA: Retail Stores Insurance Appetite
CNA's retail appetite is limited to mid-size and larger retailers that fit their middle market underwriting model. For small retail shops, Progressive and Travelers are much better options. CNA can add value on larger retail accounts where you need strong property terms and high umbrella limits.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Umbrella/Excess |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- Property coverage with agreed amount valuation for high-value inventory
- Workers' comp for retail chains with multiple locations
- Umbrella capacity for retailers needing limits above $5M
Limitations
- No small commercial BOP — all retail risks go through middle market underwriting
- Small single-location stores under $2M revenue are generally too small
- No competitive pricing for standard low-hazard retail compared to Progressive
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
EMPLOYERS HoldingsPreferred
$800-$5,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000
NationwidePreferred
$1,200-$9,000
Liberty MutualStandard
$1,500-$10,000
ChubbStandard
$2,000-$12,000
Cincinnati FinancialPreferred
$1,200-$8,000
Hanover InsurancePreferred
$1,200-$8,500
Auto-Owners InsurancePreferred
$1,000-$7,500
Guard Insurance GroupPreferred
$1,000-$7,000
Markel CorporationStandard
$2,000-$12,000
Coterie InsuranceStandard
$500-$3,500
Selective Insurance GroupStandard
$3,000-$25,000
Kinsale Capital GroupStandard
$2,000-$15,000
InsureonStandard
$400-$5,000