One contract, built part by part.
A commercial package policy puts property, general liability and other coverage parts under one set of declarations and common conditions. It's where businesses go when a business owner's policy is too small or too rigid.
Quick answer A commercial package policy is a business policy that puts property, general liability and other coverage parts under one set of declarations and common conditions, with each part written on its own form.
- A commercial package policy provides both property and liability coverage and is also called a commercial multiple peril policy.
- A BOP is a prepackaged policy for eligible small businesses, while a CPP is assembled from separate coverage parts chosen part by part.
- Common policy conditions in a CPP apply across the policy and cover cancellation, changes in coverage, audits, inspections, premiums and assignment of the policy.
- Minnesota's insurance regulator gives factories and jewelry stores as examples of businesses that probably won't qualify for a BOP, since unusual risks usually need more customized coverage.
- A CPP can include an inland marine and equipment part for property in transit and losses when boilers and machinery malfunction.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A BOP is pre-built. A CPP is assembled.
A business owner's policy is a ready-made combination for eligible small businesses: property, general liability and business interruption together. Not every business qualifies. Minnesota's insurance regulator gives factories and jewelry stores as examples that probably won't, and notes that businesses with unusual risks usually need more customized coverage.
A commercial package policy also provides both property and liability coverage, but each piece is a separate coverage form with its own limits and terms, tied together by common policy conditions on cancellation, changes, audits, inspections and premiums. Package policies typically earn a premium discount over buying each line alone. I build the package around what you own and what you do, then take it to market.
- Commercial propertyBuildings, business personal property and business income after a covered loss.
- General liabilityPremises, products and completed operations claims from people outside the business.
- CrimeProtection for business assets such as money, securities and merchandise.
- Inland marine and equipmentProperty in transit, and losses when boilers and machinery malfunction.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Operations: what the business does at each location.
- Locations: addresses, construction, square footage and whether you own or lease.
- Values: buildings, equipment, inventory and annual business income.
- Revenue and payroll: for the liability part.
- Current policies: declarations pages for every line you carry now.
- Loss runs: five years of claims history from your current carriers.
Commercial package policy, answered
What is a commercial package policy?
A package policy that provides both property and liability coverage for a business or other organization, also called a commercial multiple peril policy. Each coverage part has its own form, under shared declarations and common policy conditions.
What's the difference between a CPP and a BOP?
A BOP is a prepackaged policy for eligible small businesses that combines property, general liability and business interruption. A CPP is assembled from separate coverage parts, so forms, limits and additions are chosen part by part, which suits larger or less typical risks.
Is a package cheaper than separate policies?
Insurers typically allow a premium discount on package policies to reflect their cost savings, but the total depends on the parts and limits you choose. When it's close, I quote it both ways.
My business doesn't qualify for a BOP. What now?
That's the usual reason to move to a CPP. A business with unusual risks generally needs more customized coverage than a standard BOP provides, and a package lets each part be written to fit.
What are common policy conditions?
The conditions that apply across the policy rather than to one coverage part: cancellation, changes in coverage, audits, inspections, premiums and assignment of the policy.
Where do workers' comp and commercial auto go?
I place them on their own policies and line them up with the package, so named insureds and renewal dates match and nothing falls between them.
Do you offer a commercial package policy outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your current policies. I'll build the package.
Your declarations pages, locations and annual revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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(424) 552-4545Answered 24/7 · CA License #4348151
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