Affordable Commercial Package Policy Quotes

Protecting your enterprise

What coverages can I include in a Commercial Package Policy?

A Commercial Package Policy (CPP) is highly customizable, allowing mid-sized to larger businesses to handpick the exact property and liability coverages required for their unique operations.

General Liability Insurance

Forms the bedrock of your protection, covering third-party claims for bodily injury, property damage, and advertising mistakes, including extensive legal defense fees.

Commercial Property

Protects your physical business assets—including buildings, valuable equipment, computers, and inventory—from catastrophic damage caused by fire, theft, or severe weather.

Business Interruption

Also known as Business Income Coverage, this compensates for lost revenue and ongoing fixed expenses if your business is temporarily shut down due to a covered disaster.

Commercial Auto

Covers vehicles owned, leased, or operated by the business. Protects against physical damage to the vehicles and liability for third-party injuries caused by your drivers.

Equipment Breakdown

Covers the exorbitant repair or replacement costs for essential business machinery or HVAC systems that break down unexpectedly, helping to minimize operational downtime.

Inland Marine

Provides critical protection for goods, heavy equipment, or products while they are in transit or temporarily stored off-site, which is essential for contractors and logistics firms.

Why Orbit

Why Orbit is the best choice for a Commercial Package Policy?

Bundled Savings

By consolidating multiple lines of coverage into a single Commercial Package Policy, we secure significant multi-policy discounts from our network of top-rated commercial carriers.

Tailored Flexibility

Unlike rigid BOPs, a CPP allows our expert agents to surgically select and scale the exact coverages your mid-to-large size business needs, leaving out what you don't.

High-Risk Placements

Do your operations exceed standard risk profiles? Whether due to high revenue, hazardous materials, or complex supply chains, we have specific markets built for your risk.

Fast Certificates (COIs)

We know you need proof of insurance to win enterprise contracts and secure commercial leases. We generate comprehensive Certificates of Insurance rapidly.

Talk to a commercial expert today

An Orbit commercial agent is ready to help you analyze your specific operational risks and build a custom package policy for your growing enterprise.

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The basics

What is a Commercial Package Policy?

A Commercial Package Policy (CPP) is a highly customizable business insurance solution designed for medium-to-large businesses, or businesses with higher risk profiles that do not qualify for a standard Business Owner's Policy (BOP). It allows business owners to bundle multiple essential coverages—such as General Liability, Commercial Property, Inland Marine, and Commercial Auto—into a single, unified contract.

This bundled approach provides a high degree of flexibility. Unlike a BOP, which offers pre-packaged coverage limits, a CPP allows you to individually select the exact limits and specific endorsements required for your unique operations. By consolidating these coverages, companies benefit from simplified management, single renewal dates, and significant multi-policy discounts, ensuring your enterprise is covered from all angles without paying for unnecessary extras.

Factors That Impact Your Rates

Business Size & Revenue: Companies with high payrolls, large physical footprints, and annual revenues exceeding $15 million naturally carry more operational risk.
Industry Type: A manufacturing plant or heavy construction firm will face drastically different liability and property rates compared to a mid-market accounting firm.
Location & Property Value: The physical location of your business (crime rates, flood zones) and the total replacement cost of your commercial buildings and equipment directly influence property premiums.
Selected Coverages: Because a CPP is à la carte, adding robust coverages like Cyber Liability or Employment Practices Liability (EPLI) will adjust your final rate.
Claims History: A documented history of frequent liability or property claims indicates a higher risk profile to underwriters.

Good to know

Frequently asked questions & Requirements

A Business Owner's Policy (BOP) is a pre-packaged policy meant for lower-risk small businesses and includes fixed property and liability coverages. A Commercial Package Policy (CPP) is highly customizable and designed for larger or higher-risk businesses. In a CPP, you individually select and scale the specific coverages you need (like Inland Marine or Crime) rather than buying a pre-set bundle.

No. By law, Workers' Compensation must be written as a separate, standalone policy. However, our agents will align your Workers' Comp policy closely with your CPP to ensure seamless coverage and billing management for your business.

Yes, business owners can typically deduct the cost of their commercial insurance premiums as an ordinary and necessary business operating expense. We always advise consulting a licensed tax professional for specific tax filing guidance.

Absolutely. One of the main advantages of a Commercial Package Policy is its flexibility. As your business grows, purchases new equipment, or expands its vehicle fleet, your Orbit agent can easily endorse the policy to add the necessary coverages.

Because a CPP is heavily tailored, we will need detailed information:

Business Info: Legal structure, physical locations, and a thorough description of your operations.
Financials & Size: Current and projected annual revenue, and total number of employees.
Assets: The replacement value of your buildings, heavy equipment, and commercial vehicle fleet details.
History & Safety: Previous commercial loss runs (claims history) and details on any implemented safety or security protocols.

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