Commercial Package Policy
GL + Property + Inland Marine + Crime
A Commercial Package Policy (CPP) combines multiple lines of coverage into a single, streamlined policy. Instead of managing four separate policies with four renewal dates and four premium payments, a CPP puts everything together — often at a lower total cost than buying each coverage individually.
What's Included in a CPP
A Commercial Package Policy bundles four essential coverages into one policy with one renewal date.
General Liability
Third-party bodily injury, property damage, and completed operations coverage — the foundation of your CPP.
Commercial Property
Covers your building (if owned), business personal property, and inventory against fire, theft, vandalism, and more.
Inland Marine
Protects tools, equipment, and business property while in transit or at job sites away from your primary location.
Crime Coverage
Covers employee theft, forgery, robbery, and other crime-related losses that standard property policies exclude.
Who Benefits Most from a CPP
Businesses that own or lease a physical location (office, storefront, warehouse)
Contractors who carry tools and equipment to job sites
Retailers with inventory that needs to be protected
Service businesses with employees handling client property
Any business that wants to simplify their insurance into one policy
Businesses that have been told they need both GL and Property coverage
CPP vs. BOP — What's the Difference?
A Business Owner's Policy (BOP) is a simplified, pre-packaged version of a CPP designed for very small businesses. A CPP is more flexible and can be customized with additional coverage options — making it better suited for businesses with more complex needs, higher property values, or specialized operations.
Eligible Business Classes
Our CPP program covers a wide range of business types across Texas: