The American Society of Mechanical Engineers (ASME)

Professional Liability Insurance
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As a smaller or independent professional services provider, preparing for the unexpected isn't just a good idea it's critical if you want to keep up with the competition and grow your organization. While keeping pace, you also want to ensure that you safeguard your company's future. To address your challenges, you should consider a broad range of property and liability small business insurance coverages such as building, business income, business personal property, computer equipment, accounts receivable, money and securities, and more.

That's why CNA Connect® is set up for providers of professional services, like your firm. The CNA Connect® business owners policy (BOP) offers broad and relevant small business insurance coverage, with customized endorsements that offer increased deductible options and a wide range of limit options. CNA Connect® offers coverage and higher limits on a single policy, with the flexibility to exclude coverages to reduce premiums and the ability to tailor coverages to meet your specific needs.

Covering today’s engineering firms means providing them with a comprehensive and flexible plan to manage their emerging risks.

CNA Connect® provides small business clients broad and relevant protection, with more than 300 optional coverage endorsements that offer increased deductible options and a wide range of limit options for both Property and General Liability coverages. Many of the coverage options are uniquely designed and not typically offered in today’s competitive marketplace. By being available for a broad range of businesses, easy to quote and flexible in its design, CNA Connect® makes it easier to do business with us and makes CNA the clear choice for small business insurance.

General Liability optional limits of $2,000,000/$4,000,000 on most classes.

Aggregate limits per location for Premises Liability included — Many competitors do not include this policy language and would need to endorse the policy in order to make this coverage available, triggering an additional premium charge.

Blanket Additional Insured included — Most competitors do not include this policy language and would need to endorse the policy in order to make this coverage available, triggering an additional premium charge. This endorsement includes:

• 9 types of Additional Insureds.

• Damage to Premises Rented to You.

• Broad Knowledge of Occurrence.

• Blanket Waiver of Subrogation.

• Expanded definition of Bodily Injury to include mental anguish.

• Expanded definition of Personal & Advertising Injury to include discrimination & humiliation that results in injury to the feelings or reputation of a natural person.

Employment Practices/Fiduciary Liability** at $10,000 included, with options up to $500,000 available — CNA Connect® includes this coverage. Many competitors will only add Employment Practices Liability to the policy, for an additional premium charge.

Passport AccessSM endorsement available — Provides coverage for International Personal Property, International Confiscation, Expropriation, or Nationalization Coverage, Automobile Difference in Conditions Liability and International Kidnap and Ransom/Wrongful Detention Coverage, as well as expanding the Liability coverage territory. Only a handful of business owners’ policies offer an international endorsement and many of those offer less coverage than CNA’s Passport AccessSM.

Key coverages built-in to the CNA Connect® base policy:

Coinsurance — CNA Connect® waives coinsurance. Not every business owners policy does this; many carriers still charge a coinsurance penalty on building or business personal property that is not insured to value.

Business Income and Extra Expense — Coverage is automatically included on a 12-month Actual Loss Sustained basis, with options to increase up to 24 months, which many competitors do not offer. Additionally, many competitors have a specific waiting period and payroll limitation, which CNA Connect® does not have.

Business Income and Extra Expense, Dependent Property — Coverage is included at a $10,000 limit with the option of increasing limits to $1,000,000, if needed. Many competitors offer lower limits, or do not offer this coverage in their base product.

Extended Business Income — Coverage is automatically included at 60 days, with options to select up to 365 days, which most competitors do not provide.

Business Personal Property — The Business Personal Property (BPP) limit at the described premises also applies to BPP in transit and off premises (up to 60 consecutive days at a temporary location). Many competitors include a small sub-limit for BPP in transit or fewer days for BPP at temporary locations.

Equipment Breakdown — Is included as a cause of loss, with an option to exclude if desired.

Business Income Loss as a Result of Equipment Breakdown — We cover this on an Actual Loss Sustained basis. Many competitors do not include this level of coverage and have a waiting period.

Inflation Guard — CNA Connect® includes an inflation guard of 3 percent for Building and Business Personal Property coverage with additional percentage options available.

Money and Securities — Coverage is included within the definition of Business Personal Property and up to the BPP limit. Many competitors do not include money and securities in the definition of BPP and only provide minimal limits.

Computers, Software and Data (EDP) — We include coverage at $50,000 for on premises EDP. This is in addition to the Business Personal Property limit.

Computers Off Premises, including Laptops and PDAs — We include coverage worldwide at a $25,000 limit. Higher limits are available. Many competitors do not include worldwide coverage and only provide minimal limits of $1,000 to $5,000.

Business Income/Extra Expense as Result of a Computer (EDP, including website) Loss — We cover this on an Actual Loss Sustained basis with a 12-hour deductible. Many other business owners policies have a short time limit or small maximum dollar limit included.

Targeted Hacker Attack — Coverage is included at a limit of $25,000 Direct Damage and $25,000 Business Income. Coverage is provided when employees or customers hack into the insured’s computer systems and cause damage.

Employee Dishonesty — Coverage is included at a $25,000 limit, with options up to $1,000,000 available. Many competitors do not include any Employee Dishonesty coverage in their base form, while others include a minimal amount of $10,000 with maximum options up to $250,000.

Forgery and Alteration — Coverage is included at $25,000 limit, with options up to $1,000,000 available. Many competitors include a small amount with no options to increase.

Fine Arts — Coverage is included at $25,000. Many competitors only include limits of $5,000 or $10,000 and do not value Fine Arts with market value as we do. Limits up to $1,000,000 available.

Identity Theft/Recovery for Business Owners — Coverage is included at $25,000. Many competitors do not have this coverage available, or provide a lower limit.

Choice Endorsements — These property extensions provide an assortment of coverages relevant to the insured’s specific class or industry.

Scheduled Property — Coverage is available for seven different categories of Business Personal Property that is off premises at another location more than 60 consecutive days or while rented or leased to others.

Blanket Building or Blanket Business Personal Property — Blanket options are available at no additional premium charge.

Data Breach Liability and Privacy Event Expense —

Data Breach provides critical coverage for any business that collects private information, such as Social Security numbers, Healthcare Payer ID numbers or credit/debit card numbers.

*Not all coverages are available in all states.

The following assumes a customer purchases a CNA Connect policy with no modification to included limits:



Building and Business Personal Property

Insured Need

Business Income and Extra Expense

12 month actual loss sustained



Seasonal Increase


Arson and Theft Reward


Claim Data Expense


Debris Removal

25% + $25,000

Employee Dishonesty


Expediting Expenses


Fine Arts


Fire Department Service Charge


Fire Protective Equipment Discharge


Forgery or Alteration


Identity Theft/Recovery Expense


Newly Acquired/Constructed Property

$1M Bldg, $250k BPP, 180 days

Ordinance or Law, Demolition, Increased Cost of Construction


Outdoor Trees, Shrubs, Plants, Lawns


Pollutant Clean Up and Removal

$25,000 annual total

Preservation of Property

BPP limit up to 90 days

Temporary Relocation of Property

$50,000 up to 90 days

Water Damage

Included in Building/BPP Limit


Accounts Receivable


Appurtenant Buildings and Structures


Building Glass

Included in Building/BPP Limit

BI and Extra Expense — Dependent Property


BI and Extra Expense — Newly Acquired Property


Business Personal Property Off Premises

On Premises BPP Limit

Civil Authority

4 weeks/24 hour deductible

Electronic Data Processing On Premises


Electronic Data Processing Off Premises Worldwide


Equipment Breakdown

Equipment Breakdown limit equals Building + BPP limit

Equipment Breakdown — Expediting Expenses


Equipment Breakdown — Pollutants


Interruption of Computer Operations

Included in Business Income, 12 hour deductible

Money and Securities

Included in BPP Limit

Money Orders & Counterfeit Paper

Included in BPP Limit

Non Owned Detached Trailers


Outdoor Property


Personal Effects



Included in Building/BPP Limit

Spoilage — Consequential Loss

Included in BPP Limit

Targeted Hacker Attack

$25,000 Direct Damage/$25,000 BI and EE

Theft Damage to Rented Property

Included in BPP Limit

Valuable Papers and Records



General Liability

Base Limit $1,000,000

Medical Expenses

Base Limit $10,000

Damage to Premises Rented to You

Base Limit $300,000

Products/Completed Operations

Base Limit $1,000,000

Blanket Additional Insured – Liability Extension (Non-Contractor Classes)


Blanket Additional Insured – Owners, Lessees, or Contractors with Products Completed Operations Coverage (Contractor Classes)




Employment Practices/Fiduciary*Class restrictions apply, $10,000 not in AK or NY. $50,000 not in NY; No EPLI/Fiduciary in SD


One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. “CNA” is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the “CNA” trademark in connection with insurance underwriting and claims activities. Copyright © 2018 CNA. All rights reserved. SB5363CSB WHY CONN 061318

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