Market & Policy · Insurance Term
Commercial Package Policy (CPP)
Definition
A commercial package policy (CPP) combines two or more commercial coverage parts, such as property, general liability and crime, under one policy with shared declarations. It offers more flexibility than a businessowners policy for larger or more complex risks.
In Plain English
A package policy is built from coverage parts, each with its own forms and limits. Commonly included parts are commercial property insurance, commercial general liability, crime and inland marine.
Compared with a businessowners policy, a package lets you set limits, deductibles and valuation by building or coverage part. It suits multi-property owners, hotels, gas stations and other complex properties.
Packaging coverage with one insurer can simplify billing and renewals, and some insurers give a package discount. It is still a set of separate coverage parts, so review each part's terms.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: an owner of three shopping centers buys a package policy with blanket property limits across all three, general liability with a per-location aggregate, and crime coverage for rent collections.
What to Watch For
- Review each coverage part separately; limits and terms differ.
- Ask whether blanket limits or per-location aggregates are available.
- Check that umbrella and auto coverage coordinate with the package.
- Compare package and separate policies on terms, not just price.
Last updated October 14, 2026 · Primesure editorial team · How We Write