Commercial Package Policy

Insurance coverages can be packaged together to create a commercial package policy, such as General Liability, Property, Work Comp and Auto. Depending on the needs of the insured additional coverages can be added by endorsement.

The difference between a Business Owners Policy (BOP) and a Commercial Package Policy is a BOP Policy is limited to specific small businesses and may automatically include coverages related a specific type of business. A package policy can be customized to cover a wide range of business types and additional coverages can be added individually. A package policy can also accommodate higher limits and more complex risks.

Types of Businesses

• Manufacturing
  • Primary metal, fabricated metal and machinery, textiles, leather and apparel, wood, paper, printing, computer and electronics, electrical equipment, appliances and components, plastics and rubber, food, beverage, furniture, and miscellaneous manufacturing
• Service
  • Janitorial, health care, tradeshow I&D, advertising, landscaping, architects & building design, window washer, florists, funeral homes, auto body repair, auto service, fitness centers, animal kennels, banking, music and art instruction/schools, catering, physical therapy, delivery service, and more
• Office
  • Lawyers, real estate, insurance, accounting, engineers, medical
• Mercantile
  • Retail, wholesale, supermarkets, clothing, auto parts, bakery, fast food, restaurants, electronics, furniture, convenience stations, gas stations, office supply, crafts
• Institutional
• Condo/Townhome Associations
• Industrial
• Contractors
  • Electrical, plumbing, HVAC, home builders and remodelers, roofing, masonry, paving, concrete, painters, and flooring
• And, more...

For coverage definitions, videos, and useful product resouce information click below to go to our Client Connection page.