One policy built from the coverages your business needs
A commercial package policy can combine property, general liability and other selected coverages in one policy. Tell us about your business and current coverage so we can discuss which parts to consider.
What it usually covers
Policies vary; your policy wording decides. Selected parts may address:
- Business property damage.
- General liability claims.
- Commercial auto exposures, when included.
A package does not automatically include every coverage your business needs.
Common causes of loss
Business risks to review across the package's selected parts. National fire data, cargo tracking and insurer experience are not a California small-business claims ranking. A package does not automatically cover every event listed.
Electrical and equipment fires
A fire can start near wiring, lighting or working equipment. Nationally, electrical distribution or lighting equipment was involved in 19% of warehouse fires in 2018-2022. Have warm or buzzing panels checked by a qualified electrician, and keep maintenance records.
Stock and cargo theft
A missing load can interrupt orders as well as reduce stock. CargoNet recorded 1,218 California supply-chain crime incidents in 2025. Check pickup authorization and yard security. Ask how stock in storage and goods in transit are insured.
Customer injuries
A wet floor or cluttered walkway can lead to a fall. Nationally, one insurer's 2025 small-business study put slip, fall and customer-injury claims at 20% of claims. Walk visitor routes and address spills or trip hazards promptly.
Equipment breakdown
A failed motor or refrigeration unit can interrupt work. HSB reported a 29% increase in its average commercial equipment-breakdown claim cost over 2023-2024. Review critical-machine maintenance and ask whether equipment breakdown and related lost income are included.
What to have ready for a quote
- A description of the work you do and all business locations.
- Building, equipment and inventory details.
- Sales, payroll and vehicle information relevant to the parts being discussed.
- Current policies and insurance requirements in leases or contracts.
Sources (1)
- Commercial Insurance Guide - California Department of Insurance. Accessed Nov 6, 2026.