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Commercial Package Policy
Bring selected business coverages together in a package shaped around the way your company operates.
- In short
- A commercial package covers only the parts you select; anything not chosen is not included.
- Who or what is protected
- Larger or varied operations through a coordinated set of coverage parts.
- Where it stops
- Auto and workers compensation are coordinated separately.
A program assembled from selected parts
This guide helps you see a CPP as a set of chosen parts and know what has to be coordinated beside it.
Policy background and wording
A Commercial Package Policy (CPP) combines selected coverage parts, often general liability and commercial property, with options such as crime, inland marine, or equipment breakdown.
Unlike a BOP with a more standardized package and eligibility rules, a CPP is assembled from chosen parts. It can suit varied or complex operations, but does not automatically provide higher limits or include every risk.
A package only covers the parts selected
Compare a CPP’s selected forms with a BOP’s packaged approach. Coordinate auto and workers compensation separately rather than assuming they are included.
Who typically looks at it
- Manufacturers with varied exposures
- Construction and contracting firms
- Wholesale and distribution operations
- Hospitality groups and multi-location venues
- Healthcare and real-estate organizations
How it works
A program assembled from selected parts
Liability and property are common core parts. Crime, inland marine, equipment breakdown, and business income can be added. Auto and workers compensation are separate.
Read the diagram as text
Inside:
- General liability: Common core part
- Commercial property: Common core part
Often added or worth checking:
- Crime: When added
- Inland marine: When added
- Equipment breakdown: When added
- Business income: When included
Arranged separately:
- Workers compensation
- Commercial auto
- Flood and earthquake
- Professional and cyber, unless added
Terms on this page
- Coverage part
- A selected component such as property or crime.
- Endorsement
- A change that tailors a part.
Look deeper
Does a CPP mean higher limits?
No; it does not automatically provide higher limits or include every risk.
What to check: Review limits part by part.
Is packaging cheaper?
Packaging can offer efficiency, though pricing depends on the parts and risk profile.
What to check: Compare terms as well as price.
CPP or BOP?
Both are packages, assembled differently.
| Commercial Package Policy | Business Owners Policy | |
|---|---|---|
| Assembly | Selected parts | More standardised |
| Fit | Varied or complex operations | Eligible small and mid-sized businesses |
| Auto and workers compensation | Coordinated separately | Not included |
Scroll sideways to compare all columns.
What it may cover, and where it stops
Exact terms depend on the carrier, policy form, endorsements, and applicable law. Review the wording with your agent.
May cover
- General liability for third-party injury and damage
- Commercial property for buildings and contents
- Crime, inland marine, and equipment breakdown, when added
- Business income and extra expense, when included
- Other coverage parts selected for your operations
Commonly excluded or limited
- Workers compensation, which is generally a separate policy
- Commercial auto, unless coordinated separately
- Professional liability and cyber, unless added or scheduled
- Flood and earthquake, which typically require separate coverage
- Exposures excluded within each included coverage part
Working through an example
Hypothetical and for illustration. Whether a real loss is covered depends on the facts and the policy.
- What happens
Equipment and income loss
A covered breakdown halts operations.
- Which part is relevant
If equipment breakdown and business income parts were selected, they may respond to repairs and lost income.
- What could change the outcome
- Both parts must be in the package.
- Each part keeps its own limits and exclusions.
Other situations
Property and liability event
A business faces both property damage and a related liability claim from one incident. A CPP may coordinate response across its property and liability parts, subject to policy terms.
Multi-location claim
An incident at one location triggers several coverage parts. The package structure may help streamline the overall claim, subject to terms.
Before you talk to an agent
What underwriters usually weigh
- Number and type of coverage parts selected
- Size, locations, and industry of the business
- Property values and liability exposures
- Selected limits, deductibles, and endorsements
- Claims history
Other questions owners ask
Does a CPP include workers compensation?
Workers compensation and commercial auto are generally separate policies, though they are commonly coordinated alongside a CPP.
Is a CPP more cost-effective than separate policies?
Packaging coverages can offer efficiency and coordination, though pricing depends on the specific parts and your risk profile.
Can a CPP be customized?
Yes. A key advantage of a CPP is the ability to tailor coverage parts, limits, and endorsements to the specific exposures of your business.
Talk through commercial package policy with an agent
We compare carriers, explain the wording, and help you choose limits that fit how your business actually runs.