Home / Commercial Insurance / Commercial Package Policy
Commercial Insurance

Customized multi-line coverage for growing and complex operations.

When a business outgrows a standard Business Owners Policy, a Commercial Package Policy lets us combine multiple coverage lines into one customized program built around your specific operation.

Get a Quote
The Basics

How a CPP differs from a BOP.

A Commercial Package Policy (CPP) works like a BOP in that it bundles multiple coverages together, but it’s built for businesses with more complex or higher-risk operations that don’t fit a standard package.

That might mean higher liability limits, specialized property exposures, multiple locations, or coverage lines like commercial auto and crime coverage combined into a single, coordinated program.

  • Combines multiple coverage lines into one customized policy
  • Built for businesses that exceed BOP eligibility limits
  • Can include property, liability, auto, crime, and more in one program
  • Coverage and limits tailored line-by-line to your actual operation

Good Fit For

  • • Multi-location businesses
  • • Manufacturers and distributors
  • • Larger contractors and trade businesses
  • • Operations with specialized equipment or inventory
What’s Included

Coverage lines commonly packaged together

Property Coverage

Building, equipment, and inventory coverage sized to a larger or more complex operation.

General Liability

Higher limits and broader liability protection than a standard BOP typically offers.

Commercial Auto

Fleet and vehicle coverage packaged alongside your other commercial lines.

Crime Coverage

Protection against employee theft, forgery, and other crime exposures.

Inland Marine

Coverage for equipment and property that moves between job sites or locations.

Custom Endorsements

Additional coverage lines added to match your specific industry and risk profile.

Common Questions

Commercial Package Policy FAQs

How do I know if I need a CPP instead of a BOP?
If your business has multiple locations, higher revenue, specialized equipment, or exposures a standard BOP doesn’t fit, a CPP lets us build coverage around your actual risk instead of a one-size-fits-all package.
Is a CPP more expensive than a BOP?
It depends on the coverage lines and limits you need. A CPP is priced based on your specific program, which can sometimes be more efficient than buying several standalone policies.
Can I combine commercial auto into this policy?
Yes, commercial auto is commonly packaged into a CPP alongside property and liability coverage for a single, coordinated program.

Let’s talk about your commercial package policy coverage.

Belgrade-based advisors who know Montana business risk, ready to help.

Get a Quote