--- title: Commercial Package Policy | Business Owner Solutions | Concklin description: Explore comprehensive commercial package insurance policies that combine essential coverages for businesses, offering flexibility and tailored protection. image: https://insurance.concklin.com/hubfs/Property%20Package%20Insruance-1.png --- [Skip to content](https://insurance.concklin.com/commercial-package-insurance-policy#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # Commercial Package Insurance Policy ## Custom coverage that fits the way your business runs. A commercial package policy, often called a CPP, allows a business to combine several coverages, usually including commercial property and general liability, into one policy. It can be a flexible way to insure businesses that need more customization than a standard [Business Owner's Policy.](https://insurance.concklin.com/business-owners-insurance-policy) Get a Quote [Contact our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) --- ## What a Commercial Package Policy Includes: **General Liability**  General liability insurance helps protect your business from covered claims involving bodily injury, property damage, advertising injury, and certain lawsuits connected to your business operations.    [Learn More](https://insurance.concklin.com/commercial-general-liability-insurance) **Property Insurance**  Commercial property insurance helps protect buildings, business personal property, equipment, inventory, furniture, fixtures, and other covered property from covered causes of loss.    [Learn More](https://insurance.concklin.com/commercial-property-insurance) ###  Common Add-Ons & Endorsements  **Business Income** Helps replace lost income and pay certain ongoing expenses if covered damage to insured property forces your business to temporarily close or reduce operations.   Learn More **Commercial Auto** Coverage for business-owned vehicles used for work-related activities.     [Learn More](https://insurance.concklin.com/commercial-auto-insurance) **Inland Marine** Protection for property in transit or at job sites, away from your premises.     [Learn more](https://insurance.concklin.com/commercial-inland-marine-insurance) **Crime** Coverage for employee theft, forgery, fraud, and other dishonest acts.   [Learn more](https://insurance.concklin.com/crime-insurance) **Equipment Breakdown** Covers costly repairs or replacement when equipment or systems break down.   [Learn More](https://insurance.concklin.com/equipment-floater) **Cyber Liability** Helps with costs related to data breaches, phishing scams, and cyber extortion.    [Learn more](https://insurance.concklin.com/cyber-liability-insurance) ## When does a Commercial Package Policy (CPP) Make Sense A CPP may be worth considering if your business: - Owns or leases commercial property - Has valuable inventory, equipment, machinery, tools, or business personal property - Operates from more than one location - Has business income exposure if a covered loss forces operations to slow down or temporarily close - Signs leases, vendor agreements, service contracts, or subcontractor agreements with insurance requirements - Has property that moves between locations, job sites, vehicles, or temporary storage - Uses company vehicles or hired and non-owned autos - Has cyber, crime, professional liability, employment practices, or management liability concerns - Has outgrown a standard business owners policy ## Commercial Package Policy vs. Business Owners Policy A business owners policy can be a good option for smaller businesses with straightforward property and liability needs. A commercial package policy is usually a better fit when the business needs more flexibility **Commercial Package Policy** - More customizable - Often suited for larger or more complex businesses - Can combine property, liability, inland marine, crime, equipment breakdown, auto, and other coverages - More flexible for businesses with specialized risks - Better fit for businesses that have outgrown basic coverage **Business Owners Policy** - More pre-packaged - Often suited for smaller businesses - Usually combines property, liability, and business income - Eligibility may be more limited - Good fit for many standard small businesses ### Request More Information ## Additional Coverages to Consider Depending on the business, a commercial package policy may need to be coordinated with additional policies or endorsements, such as: **Professional Liability** Covers a business's legal liability for errors or omissions in the services it provides.     [Learn More](https://insurance.concklin.com/professional-liability-errors-omissions-insurance) **Employment Practices Liability **  Covers a business's legal liability for employment-related claims, such as discrimination, harassment, and wrongful termination.    [Learn more](https://insurance.concklin.com/employment-practices-liability-insurance) **Directors and Officers Liability**  Covers the legal liability of a company's directors and officers for actions taken in their official capacities.    [Learn More](https://insurance.concklin.com/management-liability-director-officers-liability-insurance) **Workers' Compensation**  Covers medical expenses and lost wages for employees who are injured on the job.    [Learn more](https://insurance.concklin.com/employment-practices-liability-insurance) ## Frequently Asked Questions --- ### What is a commercial package policy? A commercial package policy is a business insurance policy that combines multiple coverages into one coordinated policy structure. The core coverages include commercial property and general liability, and it may also include or coordinate with other coverages such as business income, equipment breakdown, inland marine, crime, cyber, or commercial auto. ### Is a commercial package policy the same as a business owners policy? No. A business owners policy is usually more pre-packaged and is often used by smaller businesses with more standard risks. A commercial package policy is more customizable and may be better for businesses with larger property values, multiple locations, specialized equipment, contract requirements, or more complex operations. ### Can a commercial package policy include workers' compensation? Workers' compensation is handled separately from a commercial package policy.  ### Does a commercial package policy include professional liability? Professional liability is often written separately, although it may be coordinated with the rest of the insurance program. Businesses that provide advice, consulting, design, technical services, financial services, or other professional services should review whether professional liability coverage is needed. ### Why would a business choose a commercial package policy? A business may choose a commercial package policy because it needs more flexibility than a standard business owners policy provides. A CPP can help coordinate multiple coverages, address specialized risks, and create a more complete insurance program. ### How often should a commercial package policy be reviewed? A commercial package policy should be reviewed at least annually and whenever the business changes. New locations, new equipment, new contracts, added vehicles, revenue changes, renovations, acquisitions, staffing changes, or new services can all affect coverage needs. ## Why Clients Work with Concklin ### Independent Carrier Access We compare options from multiple top-rated carriers to find the right fit. ### Advice beyond selling a policy Practical guidance and risk management to help you make confident decisions. ### Support when claims happen We're here to advocate for you and help make the process smoother. ### Family-owned agency Local roots, long-term relationships, and a commitment to our community. ## Talk to one of our agents --- ![Craig Concklin](https://insurance.concklin.com/hubfs/Headshots/Craig%20Concklin-1.jpeg "Craig Concklin") ### Craig Concklin [craig@concklin.com](mailto:craig@concklin.com) ##### President [See My Bio](https://insurance.concklin.com/craig-concklin) ![Michael Mormando-1](https://insurance.concklin.com/hs-fs/hubfs/Headshots/Michael%20Mormando-1.jpeg?width=200&height=200&name=Michael%20Mormando-1.jpeg "Michael Mormando-1") ### Michael Mormando [michael@concklin.com](mailto:michael@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/michael-mormando) ![Mike O 2020 website](https://insurance.concklin.com/hs-fs/hubfs/Mike%20O%202020%20website.jpeg?width=200&height=200&name=Mike%20O%202020%20website.jpeg "Mike O 2020 website") ### Michael O'Donnell [mikeo@concklin.com](mailto:mikeo@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/the-right-insurance-with-mike-odonnell-business-and-personal)   ![Christine Lee Headshot 2021 website-1](https://insurance.concklin.com/hs-fs/hubfs/Christine%20Lee%20Headshot%202021%20website-1.jpeg?width=200&height=200&name=Christine%20Lee%20Headshot%202021%20website-1.jpeg "Christine Lee Headshot 2021 website-1") ### Christine Lee [christine.lee@concklin.com](mailto:christine.lee@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/christine-lee) ![Peter 2](https://insurance.concklin.com/hs-fs/hubfs/Peter%202.jpeg?width=200&height=200&name=Peter%202.jpeg "Peter 2") ### Peter Mormando [peter@concklin.com](mailto:peter@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/the-right-insurance-with-peter-mormando-business-and-personal) ## Insurance Insights and Risk Management Guidance Our blog articles help you stay informed and make smarter insurance decisions [![When the Walk-In Freezer Goes Down: Understanding Food Spoilage and Time Deductibles](https://insurance.concklin.com/hs-fs/hubfs/When%20the%20Walk-In%20Freezer%20Goes%20Down%20Understanding%20Food%20Spoilage%20and%20Time%20Deductibles.jpg?height=200&name=When%20the%20Walk-In%20Freezer%20Goes%20Down%20Understanding%20Food%20Spoilage%20and%20Time%20Deductibles.jpg)](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) ## [When the Walk-In Freezer Goes Down: Food Spoilage and Time Deductibles](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [Read Article](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [![](https://insurance.concklin.com/hs-fs/hubfs/Water%20Damage%20and%20Your%20Business%20Understanding%20Coverage%20Differences%20(1).png?height=200&name=Water%20Damage%20and%20Your%20Business%20Understanding%20Coverage%20Differences%20(1).png)](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) ## [Water Damage and Your Business: Understanding Coverage Differences](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [Read Article](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [![](https://insurance.concklin.com/hs-fs/hubfs/Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png?height=200&name=Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png)](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) ## [Your Business Is Open, but Your Supplier Is Not](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [Read Article](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) ## Client Resources --- ### Client Portal The Zywave portal gives Concklin clients access to professionally written insurance, HR, safety, compliance, and risk management resources. Content can be tailored by industry, state, and preference, with email updates available when new resources are added. Contact your Concklin representative with any questions. [Log in to the Portal](https://insurance.concklin.com/client-portal) ### Client Advocacy Independent Agents act more like Trusted Advisors. We have your best interests in mind, even after coverage is bound. Like a Trusted Advisor, Independent Agents are your advocate if a claim should occur. Being in your corner means being there every step of the way, from helping you decide if a claim should be filed to talking with claims auditors and adjusters, the wellbeing of our clients is our number one priority. [Learn More](https://insurance.concklin.com/client-advocacy) ### Cyber Resources Cyber threats can create serious costs for small businesses, including breach response, forensic work, customer notifications, legal expenses, and reputational damage. Concklin Insurance Agency offers cyber liability insurance, along with resources to help business owners better understand and reduce their cyber risk. [Learn More](https://insurance.concklin.com/client-advocacy) ![Property Package Insruance-2](https://insurance.concklin.com/hubfs/Property%20Package%20Insruance-2.png "Property Package Insruance-2") ## Request an Insurance Review Concklin Insurance Agency can help you review your current program, compare coverage options, and build an insurance plan around your business's unique needs Request a Quote [![Concklin Logo](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance - Resources - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@id" : "https://insurance.concklin.com/#organization", "@type" : [ "Organization", "LocalBusiness", "InsuranceAgency" ], "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Lombard", "addressRegion" : "IL", "postalCode" : "60148", "streetAddress" : "240 S. 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"https://insurance.concklin.com/#organization" } }, "position" : 5 } ], "name" : "Commercial Package Policy Agents" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A commercial package policy is a business insurance policy that combines multiple coverages into one coordinated policy structure. The core coverages include commercial property and general liability, and it may also include or coordinate with other coverages such as business income, equipment breakdown, inland marine, crime, cyber, or commercial auto." }, "name" : "What is a commercial package policy?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. A business owners policy is usually more pre-packaged and is often used by smaller businesses with more standard risks. A commercial package policy is more customizable and may be better for businesses with larger property values, multiple locations, specialized equipment, contract requirements, or more complex operations." }, "name" : "Is a commercial package policy the same as a business owners policy?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Workers' compensation is handled separately from a commercial package policy." }, "name" : "Can a commercial package policy include workers' compensation?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Professional liability is often written separately, although it may be coordinated with the rest of the insurance program. Businesses that provide advice, consulting, design, technical services, financial services, or other professional services should review whether professional liability coverage is needed." }, "name" : "Does a commercial package policy include professional liability?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A business may choose a commercial package policy because it needs more flexibility than a standard business owners policy provides. A CPP can help coordinate multiple coverages, address specialized risks, and create a more complete insurance program." }, "name" : "Why would a business choose a commercial package policy?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A commercial package policy should be reviewed at least annually and whenever the business changes. New locations, new equipment, new contracts, added vehicles, revenue changes, renovations, acquisitions, staffing changes, or new services can all affect coverage needs." }, "name" : "How often should a commercial package policy be reviewed?" } ] } ```