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There are two types or Package policies for commercial risks. Commercial Package Policies (CPP) provide ala carte coverage, offering flexibility to build an insurance plan designed specifically for your business based on its unique risks. The second type is Business Owners Policy (BOP) which are typically designed for specific industries that have common risk profiles, such as restaurants, offices, contractors, merchants, etc….. BOPS’s tend to offer standard coverages at lower prices, but have stricter underwriting rules, often only being offered to the lowest risk industries.
In addition to General Liability and Property coverage, some of the other coverages offered in a package policy may include some of the following.
- Cyber Liability
- Employment Practices Liability Insurance (EPLI)
- Employee Benefits Liability
- Warehouse Legal Liability
- Cargo Liability
- Professional Liability
- Warehouse operations
- Inland Marine
- Equipment Breakdown
- Garage Keepers Liability
- Crime Coverage
- Terrorism Coverage
- Business Interruption Coverage
Are you an established business or new business in Michigan, Ohio, or Florida, looking for competitive pricing without sacrificing coverage? Contact us today to schedule one of our licensed agent to assist your business in shopping the market.