What this coverage is
A Commercial Package Policy (CPP) lets a business combine several coverage lines, such as general liability, commercial property, crime, inland marine, and more, into a single, coordinated program. It offers more flexibility and higher eligibility limits than a packaged Business Owners Policy.
Because a CPP is assembled from selected coverage parts, it can be tailored to the specific exposures of a business. This makes it well suited to operations that have outgrown a BOP or have more varied risks.
Who commonly needs it
Larger or more complex businesses, or those with risks that exceed BOP eligibility, commonly use a Commercial Package Policy to bring multiple coverages together.
Where this coverage commonly fits
Foundational — a starting point in many commercial insurance programs, regardless of industry. A CPP assembles selected coverage parts into one program, commonly for businesses that have outgrown a BOP.
- Manufacturers with varied exposures
- Construction and contracting firms
- Wholesale and distribution operations
- Hospitality groups and multi-location venues
- Healthcare and real-estate organizations
What it 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
What it typically excludes
- 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
Hypothetical claim scenarios
These illustrative examples are for general understanding only. Coverage depends on the specific policy terms, conditions, and exclusions.
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.
Equipment and income loss
A covered breakdown halts operations. With equipment breakdown and business income parts in the CPP, the policy may help with repairs and lost income, subject to 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.
What commonly affects cost
- 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
How much does it cost?
Pricing for commercial package policy varies widely from business to business, so the only reliable figure is a quote tailored to your operation.
- Commercial Package PolicyVaries by the mix of coverages bundled — a quote is required
These are general national averages shown for comparison only — not a quote. Actual premiums vary widely with underwriting and depend on the factors above and the specifics of your business, including size, revenue, location, claims history, and the limits you choose. See how we estimate costs.
Industries where this coverage is common
Coverage needs vary business to business — most companies consider this protection regardless of industry. These are simply the industries where we see it most often.
See how this coverage works in your industry
A few examples from the business types we cover — this coverage applies well beyond the industries shown here.
Don't see your business type? Browse all industries we cover — coverage recommendations are tailored to every operation.
Frequently asked questions
What is the difference between a CPP and a BOP?
A BOP is a standardized bundle for smaller businesses, while a CPP is assembled from selected coverage parts and offers more flexibility and higher eligibility for larger or complex operations.
What coverages can a CPP include?
A CPP commonly includes general liability and commercial property and can add crime, inland marine, equipment breakdown, and other parts based on your needs.
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.
How do I get a quote for this coverage?
Call The Southern Agency at 1-800-777-1872 or request a quote online, and an advisor can help tailor coverage to your business.
Related coverages
- General Liability Insurance Foundational protection for third-party bodily injury, property damage, and advertising injury claims.
- Business Owners Policy A bundled policy combining general liability and commercial property coverage for many small businesses.
- Business Auto Insurance Liability and physical damage protection for vehicles used in business operations.
- Workers Compensation Insurance Coverage for employee work-related injuries and illnesses, often required by state law.