CNA vs Foxquilt: Inland Marine Insurance

CNA lists builders risk, contractors equipment and accounts receivable among inland marine exposures and offers tailored solutions. Foxquilt describes mobile-contractor inland marine coverage for ConvertLabs janitorial businesses.

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

CNA names multiple inland-marine classes including builders risk, EDP and fine arts. Foxquilt’s documented mobile-equipment example is limited to its ConvertLabs cleaner program, so buyers should establish whether their own operation qualifies.

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 & Ocean Marine Insurance | CNA Insurance

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

  3. 03
    About Us - North American Business Insurance Company

    Foxquilt · Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. · accessed 2026-09-29

  4. 04
    Cleaner Insurance Program by Foxquilt

    Foxquilt · Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. · accessed 2026-09-29

  5. 05
    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 CNA and Foxquilt Inland Marine Insurance?

Broad appetite list versus a program example

CNA’s public appetite list spans builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. Foxquilt’s reviewed claim concerns mobile contractors’ equipment, small tools and hardware in the ConvertLabs janitorial program; the source explicitly calls that a small portion of equipment coverage. A cleaner’s example should not be read as a general menu for unrelated businesses. Ask whether Foxquilt will consider your particular trade and equipment. [2] [4]

Published appetite and program-specific availability

The evidence also differs in how specifically the offering is described. CNA says dedicated underwriting, risk-control and claims specialists support tailored marine solutions. Foxquilt provides a quote route for its described program but its overview does not establish policy limits, deductibles, exclusions or even whether a particular applicant will receive an offer. Compare actual proposed forms and schedules rather than treating a program quote path as confirmation of availability. [2] [4]

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

  • Ask Foxquilt whether the ConvertLabs cleaner-program eligibility extends to your business and request the form and limits. [4]
  • Ask CNA how your equipment class and locations fit its listed appetite and what service support is included. [2]

Coverage topics

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 ↗

Foxquilt

  • role: Foxquilt lists Inland Marine among primary coverages and identifies Mobile Equipment as Inland Marine in its cleaner program. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • coverage: The cleaner program describes mobile contractors’ equipment, small tools and hardware, and expressly characterizes this as only a small portion of equipment coverage. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • eligibility: The described scope is the ConvertLabs janitorial/cleaner program; it is not evidence of broad standalone inland-marine availability. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗Source ↗

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