Commercial Package Policy

 Located at 10 W 106th St, Indianapolis, IN 46290

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• Inside a Commercial Package Policy

  In choosing the right insurance for your business, you need to look at certain factors. This includes the size of your business and the services or products you offer. You can buy lots of separate policies to cover your different risks. Or, you can choose between two different package policies that bundle coverage all in one.
   
  A Business Owners Policy (BOP) may make sense if you are a small to mid-size company with low risks. But, if you are a larger company with greater risks, the Commercial Package Policy (CPP) may be right for you. Manufacturing firms, industrial and processing risks, specialized contracting risks and other more complex risks, for example, are better suited and eligible for a CPP.
   
  Look at the BOP as a pre-packaged insurance program, and the CPP as more of a cafeteria-style package where you assemble the parts. With the CPP, you pick and choose what you need and customize the coverages, wording and terms to fit your needs.
   
  How the CPP Works
   
  The CPP can come with liability insurance to protect your business against lawsuits if someone is injured at your business or while using your product. You can also get property insurance to cover damage to your building, equipment, and inventory. From there, you decide what other coverages to add to your protection. This can include:
   

  • Business Income. This replaces lost earnings and covers extra expenses if your business has to close because of property damage, such as a fire, while repairs are being made.
  • Crime Insurance. Covers losses from burglary, employee dishonesty, and computer fraud.
  • Commercial Umbrella. Gives you even more liability coverage beyond what you have on your General Liability insurance.
  • Employment Practices Liability. Protects your firm against claims of discrimination, harassment, wrongful termination, and other workplace disputes.
  • Inland Marine. Covers property or goods that move around.