Overview of Commercial Package Policy
A commercial package policy (CPP) combines several commercial coverages, such as commercial property and general liability, into one flexible policy that can be tailored to a business. It typically suits businesses that have outgrown a business owners policy or need more customization, letting limits and coverages be adjusted as the business changes.
As a business grows, its insurance often needs to grow with it, and a single bundled policy may no longer fit. We help California business owners decide whether a CPP is the right structure and build it around their real exposures.
What is covered by Commercial Package Policy Insurance?
What does Commercial Package Policy cover?
- Commercial property: your building, equipment, inventory, and contents.
- General liability: third-party injury and property damage tied to your operations.
- Optional coverages added into the package, such as commercial auto, crime, inland marine, and equipment breakdown, depending on the business.
- The flexibility to set limits and add or drop coverages as the business changes, rather than accepting a fixed bundle.
Why Commercial Package Policy Insurance is important
California businesses face wildfire and related property exposure, and standard commercial property, including the property piece of a CPP, typically excludes earthquake and flood. A CPP’s flexibility is useful here because it can be structured to address more of your risks in one place.
Who needs Commercial Package Policy Insurance?
CPPs suit growing and mid-sized businesses, operations with multiple locations or vehicles, higher-value property, or a risk profile that falls outside standard BOP eligibility.
How to get a Commercial Package Policy
Tell us about your business, how it has grown, and where you feel exposed. We review your operations and coverage options with you, help you decide between a BOP and a CPP, and build a package that fits rather than forcing your business into a fixed product.
Common questions about Commercial Package Policy Insurance
Answering the most frequently asked questions about Commercial Package Policy.
Start Your Commercial Package Policy Insurance Quote
Schneiderman Insurance Agency makes the process of finding Commercial Package Policy insurance convenient for you. Tell us about your situation, we review your risks and options with you, we help you put the right coverage in place, and we stay with you at renewal.
