# CNA FINANCIAL CORP

Summary updated: 2026-10-02T12:49:56.699904Z
Canonical: https://finbar.com/research/companies/cna-financial-corp

## Overview

CNA Financial Corporation is an insurance holding company focused on commercial property-and-casualty insurance, including surety, with additional warranty, risk-management information and claims-administration services. It distributes products primarily through independent agents, brokers and managing general underwriters. [1](https://app.finbar.com/go?id=P45988596)

Its principal property-and-casualty businesses are Specialty, Commercial and International. Coverage includes management and professional liability, property, workers’ compensation, general liability, commercial auto and other commercial lines. CNA operates across the United States and has underwriting and claims operations in Canada, the United Kingdom and Continental Europe; its company materials describe offices in 11 countries. [2](https://app.finbar.com/go?id=P86204069)[3](https://app.finbar.com/go?id=P82764322)[4](https://app.finbar.com/go?id=P15573336)[5](https://www.cna.com/sites/default/files/assets/CNA%20at%20a%20Glance.pdf)

CNA reported 2025 operating revenues of approximately $15.1 billion, and its company fact sheet describes a workforce of more than 6,000 employees. The company traces its origins to 1897; CNA Financial Corporation was incorporated in 1967. CNA’s stated corporate-citizenship focus includes responsible conduct and helping build resilient communities. [6](https://app.finbar.com/go?id=T6385734)[7](https://app.finbar.com/go?id=P79480832)[8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)[10](https://www.cna.com/about/global-citizenship)[11](https://www.cna.com/about)
[1](https://app.finbar.com/go?id=P45988596)[2](https://app.finbar.com/go?id=P86204069)[3](https://app.finbar.com/go?id=P82764322)[4](https://app.finbar.com/go?id=P15573336)[6](https://app.finbar.com/go?id=T6385734)[7](https://app.finbar.com/go?id=P79480832)[8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)[5](https://www.cna.com/sites/default/files/assets/CNA%20at%20a%20Glance.pdf)[10](https://www.cna.com/about/global-citizenship)[11](https://www.cna.com/about)

## Products & services

CNA’s Specialty products include management and professional liability, directors’ and officers’ liability, errors and omissions, employment-practices, fiduciary, fidelity and cyber coverage. Its healthcare offerings include professional and general liability for healthcare providers and facilities. Surety provides contract and commercial bonds, while Warranty & Alternative Risks offers extended service contracts and related insurance for mechanical breakdown and similar losses involving vehicles, electronics and other consumer goods. CNA also provides risk-management services to professional firms. [12](https://app.finbar.com/go?id=P20710964)[13](https://app.finbar.com/go?id=P61064958)[14](https://app.finbar.com/go?id=P66605454)[15](https://app.finbar.com/go?id=P138381)[16](https://app.finbar.com/go?id=P97180691)[17](https://app.finbar.com/go?id=P98971020)[18](https://app.finbar.com/go?id=P77679547)

Commercial offerings include property, marine and boiler-and-machinery coverage, as well as workers’ compensation, general and product liability, commercial auto, umbrella and excess-and-surplus coverage. CNA also offers specialized loss-sensitive insurance programs and claims and information services for large commercial customers. International products are underwritten through its Canadian branch, U.K. and Luxembourg insurers, and Lloyd’s syndicate Hardy. Life & Group includes long-term-care policies covering nursing-home, assisted-living and home-health care, generally subject to daily and lifetime caps, as well as structured-settlement obligations not funded by annuities for certain property-and-casualty claimants. [8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)[19](https://app.finbar.com/go?id=P72378154)

For the six months ended June 30, 2026, net earned premiums were $5.460 billion: Commercial accounted for 52.3%, Specialty 31.7%, International 12.3% and Life & Group 3.8%. [20](https://app.finbar.com/go?id=T16661083)
[12](https://app.finbar.com/go?id=P20710964)[13](https://app.finbar.com/go?id=P61064958)[14](https://app.finbar.com/go?id=P66605454)[15](https://app.finbar.com/go?id=P138381)[16](https://app.finbar.com/go?id=P97180691)[17](https://app.finbar.com/go?id=P98971020)[18](https://app.finbar.com/go?id=P77679547)[8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)[19](https://app.finbar.com/go?id=P72378154)[20](https://app.finbar.com/go?id=T16661083)[20](https://app.finbar.com/go?id=T16661083)[20](https://app.finbar.com/go?id=T16661083)[20](https://app.finbar.com/go?id=T16661083)[20](https://app.finbar.com/go?id=T16661083)

## Geographic presence

CNA Financial’s insurance operations are concentrated in the United States, with international business conducted through a Canadian branch, European insurers based in the U.K. and Luxembourg, and Hardy, its Lloyd’s syndicate. These businesses serve Canada, the U.K. and Continental Europe, while Hardy writes risks in multiple countries worldwide. [9](https://app.finbar.com/go?id=P12366309)[21](https://app.finbar.com/go?id=P78709023)[22](https://app.finbar.com/go?id=P67608893)[23](https://app.finbar.com/go?id=P56173548)

Direct written premiums from outside the U.S. represented 9% of the total in 2025, compared with 10% in 2024 and 11% in 2023; the company does not report premium or revenue shares by individual country, U.S. state, or other specific region. [24](https://app.finbar.com/go?id=P72585358) CNA’s principal executive office is in Chicago, Illinois, and it reports more than 70 offices across the U.S., Canada and Europe. Its Canadian office locations include Calgary, Montreal, Toronto, Vancouver and Winnipeg. [25](https://app.finbar.com/go?id=P29525956)[26](https://www.cna.com/about/locations/us)[27](https://www.cna.com/about/locations/canada)[28](https://www.cna.com/about/locations/europe)
[9](https://app.finbar.com/go?id=P12366309)[21](https://app.finbar.com/go?id=P78709023)[22](https://app.finbar.com/go?id=P67608893)[23](https://app.finbar.com/go?id=P56173548)[24](https://app.finbar.com/go?id=P72585358)[25](https://app.finbar.com/go?id=P29525956)[26](https://www.cna.com/about/locations/us)[27](https://www.cna.com/about/locations/canada)[28](https://www.cna.com/about/locations/europe)

## Business segments

CNA Financial reported four operating segments for 2025: Specialty, Commercial, International, and Life & Group. By net earned premiums, Commercial was the largest at $5.695 billion (about 52.2% of consolidated net earned premiums of $10.900 billion), followed by Specialty at $3.472 billion (31.9%), International at $1.311 billion (12.0%), and Life & Group at $423 million (3.9%). Segment amounts include a $1 million elimination, so percentages are approximate. [6](https://app.finbar.com/go?id=T6385734)

Specialty focuses on management and professional liability and related property-and-casualty products, including directors’ and officers’, errors and omissions, employment practices, fiduciary, fidelity, and cyber coverage. [29](https://app.finbar.com/go?id=P105617175)[15](https://app.finbar.com/go?id=P138381) Commercial serves business customers across areas including small business, construction, and middle market, with property and casualty offerings such as workers’ compensation, general liability, commercial auto, marine, and umbrella coverage. [8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)

International comprises CNA’s Canadian operations, European insurers based in the U.K. and Luxembourg, and its Lloyd’s syndicate, Hardy; its offerings include commercial property and casualty, marine, management and professional liability, and specialty markets such as healthcare and financial services. [21](https://app.finbar.com/go?id=P78709023)[22](https://app.finbar.com/go?id=P67608893)[19](https://app.finbar.com/go?id=P72378154) Life & Group primarily consists of run-off long-term-care business and certain structured-settlement obligations. [30](https://app.finbar.com/go?id=T2985968)

CNA also reports Property & Casualty Operations as a broader grouping of Specialty, Commercial, and International. The 2025 segment premium figures and contribution estimates above use net earned premiums, rather than segment income, as the basis for comparison. [30](https://app.finbar.com/go?id=T2985968)[6](https://app.finbar.com/go?id=T6385734)
[6](https://app.finbar.com/go?id=T6385734)[29](https://app.finbar.com/go?id=P105617175)[15](https://app.finbar.com/go?id=P138381)[8](https://app.finbar.com/go?id=P11004956)[9](https://app.finbar.com/go?id=P12366309)[21](https://app.finbar.com/go?id=P78709023)[22](https://app.finbar.com/go?id=P67608893)[19](https://app.finbar.com/go?id=P72378154)[30](https://app.finbar.com/go?id=T2985968)

## Company history

Continental Casualty Company, CNA Financial Corp.’s principal predecessor, was founded in 1897 to insure railroad workers against accident and disability. The CNA Financial Corp. holding-company structure was established in 1967, and Loews acquired a controlling interest in 1974. [31](https://www.cna.com/web/guest/cna/spf/%21ut/p/b1/pZNdb9owFIZ_Cz8AfPyVOJcmEGLy4dDEKeEGUbStoSNElJUmv34BtdrKVpg0X1iy9DzHr49ttEBztKhWL-W31aHcVavvp_XCWjIIgixkhlAOADJzReiEmoCCDig6AD4ZEj76Q8-yQdJJEDrUA4jIm_9rA-wKkMwVIhFEBfrCp2MtQbqOUHlsY8jh0h_GCoPUuptiDibF_5b_SsCzL5hrZCrUOJMOSBGQqYcJQGC_-58D13x2y9f0_3xm3zr_FC3Kh-3guN4OYEA4ww7GnAlqY4thju7R4uIG_2zwGbj2Aj5WuLM57yp4hGlDiQisG4Dkl8BfHsnVNp26eBWYASo6wP49g-kyeK4HVEb4VCFDc2DLdNPsdmlJ2yY9_oBCAIwUxpmCKDZ--biaT4ervK_vq1rX_uwpl1Z9bE2tWydNsnGlA7PM27B4baXJC8Gj3tvG7kT6zA4BRDjhoKRv7pwZpYAxyqvdftt9xfcAsI8wE8_NepMP29CpvlJQVhKxJ3jOpq8jv4gOiYdHvgux7xKxeWjXoy7faNxGzjw6NI9mmCzz_sux10Oxv9t-QfXWnMe8SVWpNnzPy_5Pb_H9uw%21%21/dl4/d5/L2dJQSEvUUt3QS80SmtFL1o2XzQwS0tUTDRVMkpUQUIwQUVHUFJGTVUwMDgz/)[32](https://encyclopedia.chicagohistory.org/pages/2618.html)[33](https://www.sec.gov/Archives/edgar/data/60086/000006008624000194/exhibit992-q32024.htm)

A major expansion came in 1995, when CNA merged with The Continental Corporation, adding its property-and-casualty operations. CNA subsequently sold its personal insurance business to Allstate in 1999 and exited life-related businesses through sales completed in 2001 and 2004. [34](https://www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/1996/19960515/)[35](https://www.sec.gov/Archives/edgar/data/21175/000095013703001707/0000950137-03-001707.txt)[36](https://roughnotes.com/rnmagazine/2000/may00/05p50.htm)[37](https://www.insurancejournal.com/news/international/2001/01/05/12647.htm)[38](https://www.sec.gov/Archives/edgar/data/21175/000095013704003497/c85143exv99w1.txt)

In 2010, CNA transferred substantially all of its legacy asbestos and environmental-pollution liabilities to National Indemnity Company. It acquired the remaining shares of CNA Surety in 2011 and Bermuda-based Hardy Underwriting in 2012, then sold Continental Assurance Company in 2014. CNA opened its Chicago global headquarters in 2018. In a leadership transition effective January 2025, Doug Worman became president and CEO, succeeding Dino Robusto, who became executive chairman. [39](https://www.sec.gov/Archives/edgar/data/21175/000095012310065926/c59090exv99w1.htm)[40](https://investor-relations.cna.com/news/news-details/2011/CNA-Financial-Completes-Acquisition-of-CNA-Surety/default.aspx)[41](https://investor-relations.cna.com/news/news-details/2012/CNA-Financial-Completes-Acquisition-of-Hardy-Underwriting-Bermuda-Ltd/default.aspx)[42](https://investor-relations.cna.com/news/news-details/2014/CNA-Completes-The-Sale-Of-Continental-Assurance-Company/default.aspx)[43](https://investor-relations.cna.com/news/news-details/2018/CNA-Opens-New-Global-Headquarters/default.aspx)[44](https://investor-relations.cna.com/news/news-details/2024/CNA-Financial-Corporation-Announces-Executive-Leadership-Transition/default.aspx)[45](https://app.finbar.com/go?id=P109344026)
[31](https://www.cna.com/web/guest/cna/spf/%21ut/p/b1/pZNdb9owFIZ_Cz8AfPyVOJcmEGLy4dDEKeEGUbStoSNElJUmv34BtdrKVpg0X1iy9DzHr49ttEBztKhWL-W31aHcVavvp_XCWjIIgixkhlAOADJzReiEmoCCDig6AD4ZEj76Q8-yQdJJEDrUA4jIm_9rA-wKkMwVIhFEBfrCp2MtQbqOUHlsY8jh0h_GCoPUuptiDibF_5b_SsCzL5hrZCrUOJMOSBGQqYcJQGC_-58D13x2y9f0_3xm3zr_FC3Kh-3guN4OYEA4ww7GnAlqY4thju7R4uIG_2zwGbj2Aj5WuLM57yp4hGlDiQisG4Dkl8BfHsnVNp26eBWYASo6wP49g-kyeK4HVEb4VCFDc2DLdNPsdmlJ2yY9_oBCAIwUxpmCKDZ--biaT4ervK_vq1rX_uwpl1Z9bE2tWydNsnGlA7PM27B4baXJC8Gj3tvG7kT6zA4BRDjhoKRv7pwZpYAxyqvdftt9xfcAsI8wE8_NepMP29CpvlJQVhKxJ3jOpq8jv4gOiYdHvgux7xKxeWjXoy7faNxGzjw6NI9mmCzz_sux10Oxv9t-QfXWnMe8SVWpNnzPy_5Pb_H9uw%21%21/dl4/d5/L2dJQSEvUUt3QS80SmtFL1o2XzQwS0tUTDRVMkpUQUIwQUVHUFJGTVUwMDgz/)[32](https://encyclopedia.chicagohistory.org/pages/2618.html)[33](https://www.sec.gov/Archives/edgar/data/60086/000006008624000194/exhibit992-q32024.htm)[34](https://www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/1996/19960515/)[35](https://www.sec.gov/Archives/edgar/data/21175/000095013703001707/0000950137-03-001707.txt)[36](https://roughnotes.com/rnmagazine/2000/may00/05p50.htm)[37](https://www.insurancejournal.com/news/international/2001/01/05/12647.htm)[38](https://www.sec.gov/Archives/edgar/data/21175/000095013704003497/c85143exv99w1.txt)[39](https://www.sec.gov/Archives/edgar/data/21175/000095012310065926/c59090exv99w1.htm)[40](https://investor-relations.cna.com/news/news-details/2011/CNA-Financial-Completes-Acquisition-of-CNA-Surety/default.aspx)[41](https://investor-relations.cna.com/news/news-details/2012/CNA-Financial-Completes-Acquisition-of-Hardy-Underwriting-Bermuda-Ltd/default.aspx)[42](https://investor-relations.cna.com/news/news-details/2014/CNA-Completes-The-Sale-Of-Continental-Assurance-Company/default.aspx)[43](https://investor-relations.cna.com/news/news-details/2018/CNA-Opens-New-Global-Headquarters/default.aspx)[44](https://investor-relations.cna.com/news/news-details/2024/CNA-Financial-Corporation-Announces-Executive-Leadership-Transition/default.aspx)[45](https://app.finbar.com/go?id=P109344026)[31](https://www.cna.com/web/guest/cna/spf/%21ut/p/b1/pZNdb9owFIZ_Cz8AfPyVOJcmEGLy4dDEKeEGUbStoSNElJUmv34BtdrKVpg0X1iy9DzHr49ttEBztKhWL-W31aHcVavvp_XCWjIIgixkhlAOADJzReiEmoCCDig6AD4ZEj76Q8-yQdJJEDrUA4jIm_9rA-wKkMwVIhFEBfrCp2MtQbqOUHlsY8jh0h_GCoPUuptiDibF_5b_SsCzL5hrZCrUOJMOSBGQqYcJQGC_-58D13x2y9f0_3xm3zr_FC3Kh-3guN4OYEA4ww7GnAlqY4thju7R4uIG_2zwGbj2Aj5WuLM57yp4hGlDiQisG4Dkl8BfHsnVNp26eBWYASo6wP49g-kyeK4HVEb4VCFDc2DLdNPsdmlJ2yY9_oBCAIwUxpmCKDZ--biaT4ervK_vq1rX_uwpl1Z9bE2tWydNsnGlA7PM27B4baXJC8Gj3tvG7kT6zA4BRDjhoKRv7pwZpYAxyqvdftt9xfcAsI8wE8_NepMP29CpvlJQVhKxJ3jOpq8jv4gOiYdHvgux7xKxeWjXoy7faNxGzjw6NI9mmCzz_sux10Oxv9t-QfXWnMe8SVWpNnzPy_5Pb_H9uw%21%21/dl4/d5/L2dJQSEvUUt3QS80SmtFL1o2XzQwS0tUTDRVMkpUQUIwQUVHUFJGTVUwMDgz/)[32](https://encyclopedia.chicagohistory.org/pages/2618.html)[33](https://www.sec.gov/Archives/edgar/data/60086/000006008624000194/exhibit992-q32024.htm)[34](https://www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/1996/19960515/)[35](https://www.sec.gov/Archives/edgar/data/21175/000095013703001707/0000950137-03-001707.txt)[36](https://roughnotes.com/rnmagazine/2000/may00/05p50.htm)[37](https://www.insurancejournal.com/news/international/2001/01/05/12647.htm)[38](https://www.sec.gov/Archives/edgar/data/21175/000095013704003497/c85143exv99w1.txt)[39](https://www.sec.gov/Archives/edgar/data/21175/000095012310065926/c59090exv99w1.htm)[40](https://investor-relations.cna.com/news/news-details/2011/CNA-Financial-Completes-Acquisition-of-CNA-Surety/default.aspx)[41](https://investor-relations.cna.com/news/news-details/2012/CNA-Financial-Completes-Acquisition-of-Hardy-Underwriting-Bermuda-Ltd/default.aspx)[42](https://investor-relations.cna.com/news/news-details/2014/CNA-Completes-The-Sale-Of-Continental-Assurance-Company/default.aspx)[43](https://investor-relations.cna.com/news/news-details/2018/CNA-Opens-New-Global-Headquarters/default.aspx)[44](https://investor-relations.cna.com/news/news-details/2024/CNA-Financial-Corporation-Announces-Executive-Leadership-Transition/default.aspx)

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1. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P45988596)
2. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P86204069)
3. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P82764322)
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8. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P11004956)
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25. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P29525956)
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31. [www.cna.com](https://www.cna.com/web/guest/cna/spf/%21ut/p/b1/pZNdb9owFIZ_Cz8AfPyVOJcmEGLy4dDEKeEGUbStoSNElJUmv34BtdrKVpg0X1iy9DzHr49ttEBztKhWL-W31aHcVavvp_XCWjIIgixkhlAOADJzReiEmoCCDig6AD4ZEj76Q8-yQdJJEDrUA4jIm_9rA-wKkMwVIhFEBfrCp2MtQbqOUHlsY8jh0h_GCoPUuptiDibF_5b_SsCzL5hrZCrUOJMOSBGQqYcJQGC_-58D13x2y9f0_3xm3zr_FC3Kh-3guN4OYEA4ww7GnAlqY4thju7R4uIG_2zwGbj2Aj5WuLM57yp4hGlDiQisG4Dkl8BfHsnVNp26eBWYASo6wP49g-kyeK4HVEb4VCFDc2DLdNPsdmlJ2yY9_oBCAIwUxpmCKDZ--biaT4ervK_vq1rX_uwpl1Z9bE2tWydNsnGlA7PM27B4baXJC8Gj3tvG7kT6zA4BRDjhoKRv7pwZpYAxyqvdftt9xfcAsI8wE8_NepMP29CpvlJQVhKxJ3jOpq8jv4gOiYdHvgux7xKxeWjXoy7faNxGzjw6NI9mmCzz_sux10Oxv9t-QfXWnMe8SVWpNnzPy_5Pb_H9uw%21%21/dl4/d5/L2dJQSEvUUt3QS80SmtFL1o2XzQwS0tUTDRVMkpUQUIwQUVHUFJGTVUwMDgz/)
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34. [www.federalreserve.gov](https://www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/1996/19960515/)
35. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/21175/000095013703001707/0000950137-03-001707.txt)
36. [roughnotes.com](https://roughnotes.com/rnmagazine/2000/may00/05p50.htm)
37. [www.insurancejournal.com](https://www.insurancejournal.com/news/international/2001/01/05/12647.htm)
38. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/21175/000095013704003497/c85143exv99w1.txt)
39. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/21175/000095012310065926/c59090exv99w1.htm)
40. [investor-relations.cna.com](https://investor-relations.cna.com/news/news-details/2011/CNA-Financial-Completes-Acquisition-of-CNA-Surety/default.aspx)
41. [investor-relations.cna.com](https://investor-relations.cna.com/news/news-details/2012/CNA-Financial-Completes-Acquisition-of-Hardy-Underwriting-Bermuda-Ltd/default.aspx)
42. [investor-relations.cna.com](https://investor-relations.cna.com/news/news-details/2014/CNA-Completes-The-Sale-Of-Continental-Assurance-Company/default.aspx)
43. [investor-relations.cna.com](https://investor-relations.cna.com/news/news-details/2018/CNA-Opens-New-Global-Headquarters/default.aspx)
44. [investor-relations.cna.com](https://investor-relations.cna.com/news/news-details/2024/CNA-Financial-Corporation-Announces-Executive-Leadership-Transition/default.aspx)
45. [CNA FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P109344026)

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