Commercial Package Policy Insurance

A Commercial Package Policy from AmTrust allows business owners to easily adjust the coverage they need to protect their organization.


What is Commercial Package Policy Insurance?

Commercial Package Policy Insurance typically includes both general liability and property coverage, but can also include a number of other types of coverage, such as employment practices liability insurance (EPLI) and cyber. AmTrust serves middle markets and larger policyholders, offering a host of optional coverages that can greatly increase your commercial package product line and help you provide your policyholders with customized coverage. 

Why Choose AmTrust for Commercial Package Policy (CPP) Insurance?

AmTrust Financial is a one-stop solution for total business protection. We collaborate with agents to customize package products that meet each policyholder’s specific needs and address special issues in the operation of their businesses. With the underwriting flexibility of AmTrust behind you, you can offer both general liability and product liability coverage to your customers. Working with AmTrust increases your ability to solve customer problems and create lasting relationships with companies and individuals who require package coverage. 

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Commercial Package Policy FAQs
What is the difference between a commercial package policy and a businessowners policy (BOP)?

A BOP bundles coverages designed for more common small to mid-sized risks. A commercial package policy features coverage tailored to the specific risks and needs of an organization-most often large businesses, or small and mid-sized businesses with unique risks. 

Can you write the property or general liability coverage separately?
We are willing to write Property on a monoline basis; however, we do not write General Liability separately. It is only offered through our CPP insurance product.
What does a commercial package policy cover for property?
Property coverage can be tailored to include Business Income, Tenant Improvement and Betterments, Ordinance or Law, Spoilage, Equipment Breakdown and more. We also offer property expansion forms that provide additional coverage enhancements. Contact your agent or an AmTrust representative for details regarding specific coverages and eligibility.
What is a commercial umbrella policy?

Umbrella insurance picks up where your standard insurance coverage falls short. You can think of umbrella insurance less as a standalone insurance product and more as a way of providing your existing coverage an extra boost. With umbrella insurance, you can have additional liability limits to protect your business. It typically provides extra liability coverage for:

  • Bodily injury
  • Property damage
  • Other types of litigation, such as libel and slander

We would need to write the underlying commercial package policy in order to offer an umbrella policy.

What does commercial package policy insurance cover?
In addition to commercial general liability and product liability, you can offer occurrence coverage for any events that take place during the policy period, no matter when the claim is made.

AmTrust offers a host of optional coverages that can greatly increase your commercial package product line and help you provide your policyholders with customized coverage. You can offer liability coverage on employee benefits, as well as coverage of vendors. You may provide blanket coverage or include additional insured persons in a policy. If your policyholders want project coverage, you can offer per project or per location endorsements.
How much does a commercial package policy cost?
Like most insurance policies, the cost will depend on many factors, such as the size of the business and the industry, in addition to what products are selected for the package. 
Which Industries Need Commercial Package Policy Insurance?
AmTrust can work with a large range of risks and industries. Our small business insurance coverage offers the great benefits our agents and policyholders have come to depend on us for, like our competitive multi-tiered pricing, superior claims handling, excellent loss control services and so much more. We write coverage for businesses across a wide range of industries, including full coverage for the following business classes: 
  • Professional offices
  • Business and personal services
  • Retail
  • Restaurants
  • Artisan contractors
  • Auto service
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