Business

CONS

• • No direct-to-consumer purchasing — small-business owners must work through an independent agent, which slows quoting compared to Hiscox, Next, or Progressive Commercial online platforms
• • Appetite skews toward mid-market and specialty risks; very small micro-businesses (sole proprietors, home-based businesses) may find CNA less competitive on price than BOP-focused insurtechs

CONS

• • BOP is not quotable online for most classes — quotes typically require contacting a local Allstate agent, slower than direct-to-quote competitors like Next, Hiscox, or Thimble
• • Limited appetite for higher-risk or specialized classes (contractors with heavy equipment, restaurants with liquor liability, tech E&O) — many such risks get referred out or declined versus specialist carriers

CONS

• • Coverage limits
• • Complex policies

CONS

• • Progressive does not underwrite all BOPs directly — many policies are placed with third-party carriers (e.g. Hiscox), so the customer experience, claims handling, and policy terms can vary depending on which partner issues the policy
• • Limited industry eligibility compared to specialist commercial carriers like The Hartford or Chubb — higher-risk classes (manufacturing, restaurants with cooking, habitational) are often declined or referred out

CONS

• • BOP eligibility is narrower than competitors like Hiscox or Next — high-risk classes (e.g., heavy manufacturing, larger contractors, restaurants with full cooking) often must be written on a separate commercial package rather than the Spectrum BOP
• • Quote and bind process is largely agent-driven; The Hartford's online direct-quote experience for BOP is more limited than digital-first competitors like Next, Thimble, or Hiscox, which can slow purchase for very small businesses