Commercial Package Policies for Growing Florida Businesses
A Commercial Package Policy (CPP) combines multiple coverage parts - property, general liability, crime, inland marine, and more - into one custom program. It's the natural next step for Florida businesses whose size or complexity no longer fits inside a standard BOP.
What This Coverage Includes
- Commercial property and general liability as the core
- Inland marine coverage for tools and equipment in transit
- Crime and employee dishonesty coverage
- Equipment breakdown and utility interruption options
- Custom limits and endorsements a BOP can't accommodate
Florida Context
Larger Florida risks - multiple locations, higher property values, specialized operations - get better results when coverage is engineered rather than bundled off the shelf. A CPP lets us negotiate each coverage part while keeping one carrier, one renewal, and one point of accountability.
Who Needs It
- Businesses that exceed BOP eligibility (size, revenue, or class)
- Multi-location operations
- Companies with equipment that moves between job sites
How We Help
We design the package around your actual exposures, market it to carriers with appetite for your class, and present the options side by side - so growth stops meaning 'more policies' and starts meaning 'better structure.'
Frequently Asked Questions
What's the difference between a BOP and a CPP?
A BOP is a pre-packaged bundle for eligible small businesses. A CPP is custom-built: you choose the coverage parts, limits, and endorsements. Businesses that outgrow BOP eligibility move to a CPP.
Is a package cheaper than separate policies?
Usually - carriers price multi-line accounts favorably, and one program eliminates gaps and overlaps between separate policies. We quote it both ways when it's close.
Can workers' comp be part of the package?
Workers' comp is written as a separate policy, but we typically place it alongside your package - often with the same carrier - so everything renews and gets reviewed together.
Get a clear, side-by-side view of your package policy options.
One conversation with an independent advisor can surface savings and gaps your renewal notice never will.