Commercial Package Policy (CPP)
For businesses that have outgrown a BOP, a Commercial Package Policy builds a fully customized program — combining the coverages you need across the carriers best suited for your operation.
One program. Multiple coverages. Built for how your business actually operates.
A Business Owners Policy (BOP) works well for straightforward, smaller businesses — it's a standardized bundle. But as businesses grow, add locations, diversify operations, or take on larger contracts, the BOP's limitations start to show. A Commercial Package Policy (CPP) is the flexible alternative built for those situations.
A CPP is not a single product — it's a framework that combines two or more commercial coverage lines into a single policy. You choose the coverages, the limits, the deductibles, and the carriers. It can include general liability, commercial property, commercial auto, inland marine, crime, equipment breakdown, and more — structured precisely for your operation.
The key advantage over a BOP is customization. Businesses with multiple locations, specialized property, unusual operations, or industry-specific exposures get a program built for them — not a package designed for the average small business.
What this coverage does for you
- Combines two or more commercial lines into one flexible policy
- Fully customizable limits, deductibles, and coverage terms
- Better suited for mid-size and larger or more complex operations
- Multiple locations, property schedules, and specialized exposures handled cleanly
- Can include GL, property, inland marine, crime, equipment breakdown, and more
- Often more competitive pricing than purchasing each line separately
Build the program your business actually needs.
Depending on the Carrier, a CPP can include any combination of the following coverage parts — we'll help you determine the right structure.
Commercial General Liability
Bodily injury, property damage, personal injury, and advertising injury arising from your business operations. The foundation of almost every CPP.
Commercial Property
Building, business personal property, business income, and extra expense coverage. Multiple locations and property schedules managed cleanly within one policy.
Inland Marine
Covers tools, equipment, and property in transit or at off-premises locations — filling the gap that standard commercial property leaves when your assets move.
Crime & Employee Dishonesty
Covers employee theft, forgery, computer fraud, and funds transfer fraud — financial losses from both internal and external criminal acts.
Equipment Breakdown
Covers the cost to repair or replace mechanical, electrical, and pressure equipment following a covered breakdown — including business income losses during the outage.
Accounts Receivable & Valuable Papers
Covers the loss of accounts receivable records or valuable business documents due to a covered peril — protecting the business from being unable to collect money owed.
Common questions.
A BOP is a standardized, off-the-shelf bundle designed for small, lower-risk businesses — it has preset coverage terms and limitations on what can be added. A CPP is fully customizable, designed for businesses with more complex needs, larger operations, multiple locations, or specialized exposures. If your business has outgrown what a BOP can do, a CPP is usually the right move.
Businesses with multiple locations, significant property schedules, complex operations, or high-limit requirements are good candidates. Construction companies, manufacturers, distributors, larger retail or hospitality businesses, and professional services firms with substantial assets often benefit from the flexibility a CPP provides.
Yes. The CPP structure is designed to be flexible. Coverages can be added, removed, or modified during the policy term via endorsement — which is one of the key practical advantages over a BOP.
Not necessarily on a per-coverage basis. While the total premium for a CPP may be higher because it typically includes more coverage, the cost per dollar of coverage is often competitive — especially when multiple lines are packaged together. We'll compare options and show you what makes sense for your specific situation.
Workers' compensation and commercial auto are typically written on separate policies rather than included in a CPP — primarily because they're regulated differently and often placed with specialized carriers. Your full commercial program will include those as standalone policies alongside the CPP.
Ready to build a program that fits your operation?
Tell us about your business — locations, operations, property, and contracts — and we'll structure the right commercial package across the right carriers.