COMMERCIAL PACKAGE POLICY (CPP) is not a separate coverage form but rather is a convenient collection of several coverage forms packaged together. The CPP must include at least two of the following commercial coverage parts: automobile, property, crime, equipment break-down protection, general liability, farm or inland marine. Insurance companies provide premium discounts that apply to selected parts of a package policy to encourage the insured to combine as many coverage lines as possible in one policy and in a single company. The discounts vary by the class of business and the line of coverage. The discounts apply only at the locations where the CPP covers both property and general liability exposures.

While it is desirable and sensible from the premium standpoint to include every eligible coverage in the CPP, it is not necessary to do so. Some insureds and carriers may prefer to write certain lines of business on a monoline basis and to keep other lines in the package. This customized coverage approach makes the CPP the most flexible of all commercial lines policies.
(Use ACORD Form #125)