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Commercial Package Policy

  • Available in Michigan

  • Available in Wisconsin

A commercial package policy allows you to build your insurance policy from the ground up – just like you built your business. You choose what coverages you need, so you don't end up paying for coverages you don't. A Fremont Insurance agent will help you customize a package that meets your specialized needs so you get the broadest coverage at the best rate.

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Standard Coverages


This coverage reimburses you if the contents in your business are damaged, destroyed, lost, or stolen.


This coverage provides protection if you’re found legally liable to have caused bodily injury or property damage to someone else.

Inland Marine

This coverage protects your business from financial loss if products, materials, or equipment is damaged or destroyed while it's being transported on land (truck or train).


This coverage provides protection from financial losses related to business-related crime, including theft by employees, forgery, and robbery.

Business Income Extra Expense

This coverage helps replace lost income and pays for extra expenses if you temporarily can't run your business after a covered loss.

Additional Coverages

Cyber Liability

This coverage protects your business from financial losses related to cyber-related crime such as a data breach.

Employment Practices Liability

This coverage protects you from liability claims made by employees alleging discrimination, wrongful termination, and harassment.

Hired & Non-Owned Auto

This coverage protects you from liability if you or an employee gets in an accident with a hired (rental car) or borrowed (employee-owned) vehicle.

Specialty Programs

Your job is to grow your business; ours is to understand the risks you face. We've created specialized programs to keep businesses protected from risks unique to their industry. Contact an agent to learn more about our special programs for CPP customers.

Programs include:

  • Fine Dining
  • Condo D & O
  • Water Well Drillers
  • Home Owners Association D & O
  • Auto Repair & Service Program
  • Preferred Contractors
  • Preferred Religious Institutions
  • Preferred Hotel/Motel
  • Bed & Breakfast
  • Micro-Brewery

File a Claim

When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way.

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Ways to Save

We’re dedicated to helping our customers get the most coverage at the best rate. That’s why we look for opportunities to save you money.

Age of Building

You must operate business from a building that was recently constructed to qualify.


You must be a member of a group or association that insures with Fremont Insurance to qualify.


You must bundle more than one insurance policy to qualify.


If you're a non-smoker, you may qualify for a 5% discount on your policy.

Frequently Asked Questions

How do I decide if a CPP or BOP policy is right for my business?

Smaller businesses with less risk may benefit most from a BOP policy. If you need a more customized policy that lets you pick and choose your coverages, then a CPP might be the best fit. As always, we suggest contacting one of our insurance agents to talk through your options. They will be able to tell you which policy is right for you.

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