Chubb vs CNA: Inland Marine Insurance

Chubb insures inland marine directly and includes builders risk among its coverage. CNA lists builders risk, contractors equipment and accounts receivable as inland marine exposures and offers tailored marine solutions.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

Both providers identify builders risk and contractors equipment, but Chubb also describes engineered transportation and utility projects and leased or financed property. CNA’s list includes EDP, medical equipment and accounts receivable.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  2. 02
    Inland Marine Insurance

    Chubb · Innovative inland marine insurance coverage solutions list: builders' risk, homebuilders builders' risk, engineered risk, contractors equipment, leased property & installment sales; Inland marine engineering services section · accessed 2026-09-23

  3. 03
    Inland & Ocean Marine Insurance | CNA Insurance

    CNA · Inland Marine and Ocean Marine coverage sections · accessed 2026-09-28

  4. 04
    Inland Marine Policy: Contractors’ Equipment

    Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

What Are the Key Differences Between Chubb and CNA Inland Marine Insurance?

Different property emphasis and service detail

The product lists overlap on construction and contractors equipment, but extend in different directions. Chubb specifically names engineered risk for large civil transportation and utility projects, plus property that is leased or financed. CNA’s examples include electronic data processing property, medical equipment and accounts receivable. Buyers should map the property and project type they need insured to the actual quote schedule; category names alone do not establish a covered cause of loss. [2] [3]

Project categories and risk-control services

Chubb says regular loss-control services are included in the inland-marine premium and offers web-based quoting tools for builders risk and contractors equipment. CNA describes dedicated underwriting, risk-control and claims specialists, without specifying the same web tools in its reviewed claims. If the project needs engineering consultation or faster submission, confirm the exact service included and whether any additional fee applies. [2] [3]

What Should You Confirm in Chubb and CNA Inland Marine Insurance Quotes?

  • Ask Chubb whether the project fits engineered risk or the leased-property coverage and request limits and deductibles. [2]
  • Ask CNA how EDP and medical equipment are valued and what risk-control support is included for this account. [3]

Coverage topics

Chubb

  • role: Chubb underwrites inland marine coverage directly and describes it as tailorable to a business's specific inland marine risks rather than a single fixed product. Inland Marine product page.company-reportedSource ↗
  • coverage: Chubb's inland marine line includes builders' risk insurance, homebuilders builders' risk for residential contractors, engineered risk insurance for large civil transportation and utility projects, contractors equipment insurance for construction equipment fleets, and coverage for leased or financed property. Innovative inland marine insurance coverage solutions list; each is a distinct sub-product.company-reportedSource ↗
  • eligibility: Chubb positions its inland marine solutions for transportation and logistics companies, contractors and developers, and describes coverage scaling from single-location residential builders to regional homebuilders. Product page introduction and Homebuilders builders' risk description.company-reportedSource ↗
  • limits: The reviewed page does not publish specific coverage limits or deductibles for inland marine coverage; these vary by sub-product. Inland Marine product page as read on 2026-09-23.not-foundSource ↗
  • services: Chubb says regular loss-control services are included as part of the inland marine premium, with more complex risk evaluation and management consultations available on a fee-for-service basis, and offers u*writer Builders Risk and u*writer Contractors Equipment as web-based quoting tools. Inland marine engineering services and Online tools & solutions sections.company-reportedSource ↗
  • application: You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place inland marine coverage. Inland Marine product page quote call-to-action for business owners and for agents and brokers.company-reportedSource ↗

CNA

  • coverage: CNA Inland Marine addresses accounts receivable, buildings under construction, medical equipment, EDP, fine art and mobile property. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA lists builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA says tailored marine solutions are backed by dedicated underwriting, risk control and claims specialists. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

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