CNA introduced a new commercial property product, CNA Touchstone Property, in North Carolina. The filing was submitted on March 26, 2026 and is currently under review, with new business targeted for September 1, 2026.

The program is designed for large commercial risks with significant insurable values, offering flexible limits, deductibles, and coverage structures tailored to complex accounts, including multi-state exposures.

Coverage spans real property, business personal property, and time element losses such as business income and extra expense. The product introduces a detailed, factor-driven rating framework that segments risk across multiple peril groups—including internal risks (fire, water damage), external risks (weather, theft), flood, named storm, and equipment breakdown—allowing CNA to price large and complex risks with greater precision.

From an underwriting standpoint, the program incorporates granular inputs such as occupancy class, construction type, protection class, roof characteristics, and geographic exposure, alongside adjustable factors like schedule rating and individual risk modification. It also introduces flexibility through “large risk exemption” provisions, allowing customized forms and pricing when regulatory thresholds are met.

Minimum requirements reinforce the program’s focus on larger accounts, including a $100,000 minimum premium and a $10,000 minimum deductible, positioning Touchstone Property squarely in the upper middle market and large commercial segment.

Strategically, this filing signals CNA’s push toward proprietary, highly customizable property underwriting for large risks—moving away from standardized rating approaches and enabling more tailored pricing and coverage structures for complex commercial clients.