Commercial Package Policy
What Is a Commercial Package Policy?
A Commercial Package Policy (CPP) is a bundled insurance solution that combines multiple coverages under one policy, offering custom protection for high-exposure businesses—like restaurants operating in high-risk environments. From fine-dining establishments with liquor licenses to late-night venues with live entertainment, CPPs offer flexibility and cost efficiency.
Unlike a Business Owner’s Policy (BOP), which typically serves small, low-risk businesses, a CPP is better suited for larger restaurants or those with elevated liability concerns, such as:
Nightclubs or bars with bouncers and alcohol service
Seafood kitchens with high equipment risk
Event-driven catering companies with frequent offsite service
Restaurants in wildfire or earthquake-prone areas of California
With a CPP, you can combine general liability, property insurance, commercial auto, crime, and even cyber liability—all under one policy designed for your risk profile.
Why High‑Risk Restaurants in California Need a CPP
Standard insurance packages may leave gaps when your operations involve:
Late-night hours
Alcohol service and liquor liability exposure
Frequent equipment usage (fryers, refrigeration, ovens)
Multiple locations or franchise setups
Events, catering, or mobile services
Operations in high-crime or disaster-prone areas (e.g., Los Angeles, San Bernardino, Oakland)
How Much Does a Commercial Package Policy Cost in California?
Pricing for a restaurant CPP in California depends on many factors including:
Type of food and beverage service
Hours of operation and alcohol license
Number of employees and locations
Building location and construction
Claims history and coverage limits
Enhance Your Business Owner’s Policy with These Additional Coverages
Workers’ Compensation Insurance
In most states, you're legally required to carry workers' compensation insurance to cover employee expenses related to work-related injuries or illnesses, including medical bills, lost wages, and rehabilitation.
Professional Liability Insurance
Professional liability insurance protects you and your business if you're accused of negligence in the services you provided—even if no actual mistake was made. It offers peace of mind by covering legal costs and potential damages, helping you maintain your reputation and financial stability.
Commercial Auto Insurance
Commercial auto insurance covers expenses resulting from an accident when you or your employees are at fault. If vehicles are used for business purposes, carrying appropriate commercial vehicle insurance is essential.
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