Ideal Accounts and Appetite
This program is tailored for a wide variety of professional, retail, healthcare, and service-based businesses. CNA’s Focus Classes have been carefully selected to reflect industries with consistent underwriting performance and favorable loss histories. Some of the top eligible classes include:
- Direct Mail Advertising Services, Museums, Art Galleries, and Studios
- Financial professionals – Asset Managers, Financial Planners, Insurance Agents, Mortgage Brokers
- Medical and wellness offices – Chiropractors, Optometrists, Physical Therapists, and other outpatient clinics
- Professional services – Accountants, Architects, Engineers, Real Estate Agents, Telemarketing Firms
- Retail businesses – Bicycle Stores, Hardware Stores, Shoe Stores, Sporting Goods and Apparel Shops
- Technology and digital services – Computer Consultants, Software Stores, Web Designers
Whether you have a solo optometrist needing a bundled policy or a small IT consulting firm looking to protect its office, digital assets, and liability exposures, this program provides a streamlined solution.
Coverage Highlights and Advantages
The CNA BOP program through BindDesk delivers robust protection for your small business clients, including:
- Comprehensive property and general liability coverages tailored to the business class
- Optional endorsements to enhance coverage based on business type
- Workers Compensation available for most focus classes
- Exceptional quote-to-bind ratio for eligible submissions
This program is built for efficiency and breadth. It simplifies the placement process while offering deep coverage options that address common exposures faced by small and mid-sized businesses.
Underwriting Notes and Minimum Premiums
Submissions are evaluated based on business class, size, loss history, and risk controls. While there’s no explicit minimum premium listed, this program is structured to be competitive for a wide range of small business sizes. Most focus classes are eligible for Workers Comp, further streamlining your placement process.
Territories and Availability
The BOP Insurance program from BindDesk is available in all 50 states and Washington, DC. No matter where your clients operate, this solution can provide consistent, admitted coverage across a national footprint.
Why Work With BindDesk?
BindDesk specializes in helping agents and brokers access streamlined markets for small business insurance. Their partnership with CNA—a carrier known for its commercial expertise and stable underwriting—ensures that you get access to a proven BOP market with high binding efficiency. From quoting to binding, BindDesk makes it easier to place small business risks with confidence and speed.
If you're looking to expand your small business book or need a reliable market for hard-to-place professional or retail classes, BindDesk's BOP program is an excellent fit.
Frequently Asked Questions
What types of accounts are a good fit for this BOP program?
This program is ideal for small to mid-sized businesses in professional services, retail, healthcare, technology, and financial sectors. Common classes include accountants, medical offices, IT consultants, and specialty retail stores.
Is Workers Compensation coverage available through this program?
Yes, Workers Comp is available on most of the program’s focus classes, making it easier to bundle coverages for your clients.
What states is this program available in?
The program is available in all 50 states and Washington, DC, offering admitted coverage options nationwide.
What makes this BOP program stand out from others?
The combination of CNA’s strong underwriting, a broad appetite, and BindDesk's efficient placement platform creates a high quote-to-bind ratio and smooth submission process for agents.
Do I need to meet a premium minimum to submit?
There is no stated minimum premium, but the program is priced competitively for a wide range of small business sizes. Submissions are evaluated individually based on risk characteristics.
Need help placing an account? Connect with a market specialist.