Customized coverage packaged together to protect the exposures specific to your business.

A Commercial Package Policy (CPP) is designed to combine two or more coverage forms into one customized package. Because businesses have unique needs, the selection of coverage forms offered by Holden Insurance are tailored to your specific risk. The CPP can cover various property and liability exposures, depending on the selection of coverage forms. The forms are selected based on your particular risk.

The most common coverage forms available under a VT Commercial Package Policy include:

Additional coverage forms like business income and extra expense, accounts receivable, equipment breakdown and others, can be added to broaden the protection.

What isn’t covered?

Although the CPP can include many of the coverage forms a business requires, there are some that are not covered. For instance Workers Comp and Directors and Officers Insurance cannot be added to the commercial package policy and must be purchased as a separate policy. Group Life and Disability insurance products must also be purchased as stand alone policies.

How is the CPP priced?

Pricing a commercial package policy is based on a variety of factors, depending on the types of coverage forms included in the package. As an example the age, construction and value of a commercial property, and the inherent risk of your operations and products, will impact the premium. The premium for each coverage part is generally less than if purchased separately as companies often times grant discounts when they are purchased as part of a commercial package policy.

For a complete insurance package review and pricing options request a quote today!

We understand that you may have questions about the options available. We invite you to speak with one of our commercial insurance specialists. They can walk you through the insurance shopping process so you can make an informed decision about the commercial package policy coverage that is right for your Vermont company. Request a free insurance cost review today!