A package covers what you put in it, so the gaps are the lines you did not add. Workers’ compensation is written separately and is required in California once you have any employee. Professional liability, employee benefits liability, and health or disability coverage sit outside. Earthquake and flood remain excluded on the property section unless separately arranged. A package is a container rather than a broader promise, which is why the schedule of coverages is the page worth reading rather than the cover sheet.
Related FAQs
Not typically, since the property portion generally excludes them. Those may be arranged separately, and we can discuss options.
Growth in revenue, locations, vehicles, or property, or a change that affects eligibility, are common signs. We will review whether a CPP fits better.
Yes, that flexibility is a key reason businesses choose a CPP. We will help you decide what to include.
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