Commercial Package Insurance

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Imagine a flexible business insurance plan specifically built for your business, a package without the expensive extras or gaps in coverage and one that meets the special needs of your business. A hair salon has different insurance needs than a trucking fleet and one-size-fits-all policies never fit as well as a package custom-tailored to your business. A Commercial Package Policy is often a better fit for some businesses than a standard Business Owners Policy because a Commercial Package bundles the essential coverages you need to protect your business, saving money by combining policies and skipping the costly extras.

What Does a Commercial Package Cover?

Liabilities

Your Commercial Package Policy is designed to meet the insurance needs of your business, including liabilities your business is likely to face.

Government coverages

With a Commercial Package Policy, you’re assured that the package is a fit for your business and that your business will be compliant with government-mandated coverages, protecting your business from liabilities and fines or penalties.

Industry-specific risks

Commercial Packages can vary depending on the insurer who offers the Commercial Package Policy and depending on your specific industry. An accounting firm needs different coverages than a roofing and siding company.

What Are the “Limits” on a Commercial package?

Your chosen coverage limits start with standard minimums but can be adjusted according to your needs. General Liability Insurance coverage, for example, a staple of any Commercial Package Policy, starts at a $1 million per occurrence limit, with a $2 million aggregate limit. Some business owners elect to choose higher coverage limits. In most cases, coverage limits can be adjusted for each type of coverage within your Commercial Package Policy, making your package customizable to your unique needs.

Do I Need a Commercial Package?

Modern businesses often need a number of policies to fully protect the business and to be in compliance with mandatory insurance requirements such as Workers’ Compensation coverage or Commercial Auto Insurance. Many businesses, sometimes unintentionally, end up with a hodgepodge of policies from a number of carriers that may have gaps in coverage and won’t scale well as your business grows. A Commercial Package streamlines your coverage, often providing additional discounts for bundling multiple policies with the same insurer. As an added benefit, a Commercial Package eliminates the possibility of insurers denying coverage because they state the risk is covered by another insurer.

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How Much Does a Commercial Package Cost?

Because a Commercial Package Policy is built specifically for businesses like yours and because you have the freedom to choose coverage limits to fit your exposure, rates can vary from one business to the next. Your trusted agent can provide a quote quickly, explaining your options in plain English, and bind coverage so your business won’t be exposed to uncovered risks. There’s no need to postpone buying insurance because the coverage is too confusing. CoverWallet’s Commercial Packages make it easy to get the insurance you need at a price you can afford.

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