Commercial Package and Business Owner Policies

Commercial Package (CPP) and Business Owner (BOP) policies combine two or more coverages, including property and other coverages, such as general liability, inland marine, auto, and more. A BOP is designed for small to medium businesses, while a CPP allows for more tailoring of coverage to meet the specific needs of larger businesses.

Packaged for Insurance Protection


Berkley provides comprehensive and conveniently packaged coverages that can help protect small to large businesses from the various exposures they face. Our empowered teams of underwriting, claims, and risk management professionals offer outstanding service and a deep understanding businesses’ insurance needs.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Commercial Package & BOP insurance needs.

Protect Against the Unexpected

Business owner policies and commercial package policies are attractive solutions for many businesses due to their simplicity and cost effectiveness.  A Berkley business owners or commercial package policy can provide the essential property and liability coverages as well as other coverages many businesses need, including:

  • Commercial Property: can help protect your business from physical damage to your property or contents, including loss of income and expenses from unexpected events caused by fires, vandalism and natural perils including, wind, lightning, and hail.  

  • General Liability: can help protect you and your business against claims for bodily injury, property damage and personal injury resulting from your services, operations and products.  

  • Commercial Auto: can help protect your business against liabilities associated with bodily injury, property damage, or physical damage caused by an accident resulting from the operation of your company private passenger autos, trucks, tractors, and trailers. 

  • Inland Marine coverage: can cover damage to specialized property such as equipment and materials while in transit or at a temporary location. 

There are also additional coverages that can be added to a businessowners or commercial package policy, depending on your business needs.


Coverage Options may also include: 

  • Business Interruption and Extra Expense 

  • Crime 

  • Equipment Breakdown  

  • Data breach & Cyber Liability  

  • Employment Practices Liability  

  • Directors & Officers Liability  

  • Professional Liability (E&O) 

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What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.