Commercial Package Policy in Denver, Colorado

Why Denver Businesses Choose a Commercial Package Policy

A Commercial Package Policy (CPP) combines multiple insurance coverages into one customized policy. Unlike the standardized Business Owners Policy, a CPP offers flexibility to mix and match coverages specific to your business. You can include general liability, commercial property, commercial auto, crime, inland marine, and other protections. This approach simplifies your insurance program while often reducing costs compared to buying separate policies. CPPs work well for Denver businesses that need specialized coverage or don't qualify for a standard BOP.

What Does a Commercial Package Policy Cover?

A CPP typically includes general liability for third-party injury and property damage claims, and commercial property for buildings, equipment, and inventory. You can add commercial auto coverage for business vehicles, crime insurance for theft by employees, inland marine for tools and equipment used off premises, business interruption for lost income, and equipment breakdown coverage. Additional options include employment practices liability, cyber liability, and hired and non-owned auto coverage.

Benefits of a CPP for Colorado Businesses

A Commercial Package Policy consolidates multiple coverages into one policy for easier management and typically costs less than purchasing separate individual policies. It offers flexibility to customize coverage to your specific needs while simplifying renewals and policy administration. A CPP provides comprehensive protection with fewer coverage gaps, ensuring your Denver business is covered from multiple angles under one program.

Commercial Package Policy vs. Business Owners Policy

A BOP is a standardized package with set coverages designed for small businesses. A CPP is fully customizable, letting you select specific coverages and limits tailored to your operations. CPPs work for larger businesses, those with unique risks, or operations that don't fit BOP eligibility requirements. Our agents can help you determine which option provides the best protection for your business.

Is a Commercial Package Policy Right for My Business?

Businesses with diverse operations, multiple locations, specialized equipment, or significant property values benefit from CPP flexibility. If your business has grown beyond BOP eligibility or needs coverage combinations not available in standard packages, a CPP might be right for you. Colorado businesses in manufacturing, construction, distribution, and other complex industries often find CPPs offer the tailored protection they need.

Get a Commercial Package Policy Quote in Denver, Colorado

Our commercial package policy insurance agents serve Denver, Colorado and surrounding areas including Aurora, Golden, Lakewood, Thornton, and Westminster. Contact Seguros Ideal Inc today for a free quote.