Commercial Package Policy in Temple, Texas

What Is a Commercial Package Policy?

A commercial package policy—or CPP—combines multiple commercial coverages into a single, customized policy. Unlike a business owners policy with fixed coverage combinations, a CPP lets you select and configure property, liability, auto, crime, and other coverages based on your specific needs. For growing Temple businesses with complex operations, a commercial package policy provides flexibility that standard BOPs can't match.

Winkler Insurance helps Central Texas businesses build customized commercial package policies that protect all aspects of their operations.

Why Temple Businesses Need a Commercial Package Policy

Mid-sized and complex businesses often outgrow standard BOPs. Here's why a CPP makes sense:

• Flexibility to customize. Choose exactly which coverages you need at the limits that make sense.


• Higher limits available. CPPs offer coverage limits beyond what BOPs typically provide.


• Multiple locations covered. A single CPP can protect several business locations throughout Central Texas.


• Cost efficiency. Bundling multiple coverages with one carrier often costs less than separate policies.


• Simplified administration. One policy, one renewal date, one carrier relationship.

What Can a Commercial Package Policy Include?

A CPP can combine many coverage types:

Commercial Property
Covers buildings, equipment, inventory, and business personal property at one or multiple locations.

General Liability
Covers third-party bodily injury, property damage, and advertising injury claims.

Commercial Auto
Covers business vehicles for liability, collision, and comprehensive damage.

Inland Marine
Covers equipment, tools, and property in transit or at job sites away from your premises.

Crime Coverage
Covers employee theft, forgery, computer fraud, and other criminal losses.

Business Interruption
Replaces income lost when covered property damage forces temporary closure.

Equipment Breakdown
Covers mechanical and electrical equipment failures.

Commercial Package Policy vs. Business Owners Policy

The key difference is flexibility. A BOP offers preset coverage combinations designed for small businesses. A CPP lets you build a policy from scratch, selecting coverages, limits, and deductibles that fit your exact needs. CPPs are ideal for businesses that don't fit standard BOP eligibility or need higher limits and more coverage options.

How Much Does a Commercial Package Policy Cost in Texas?

CPP premiums vary widely based on which coverages you include, your limits, and your business operations. Most Temple businesses pay $2,000 to $10,000 annually for a comprehensive CPP. Complex operations with multiple locations, vehicles, and high property values pay more. Winkler Insurance builds customized packages and compares carrier pricing to find competitive rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas businesses build commercial package policies tailored to their unique operations. As an independent agency, we work with multiple carriers and have the flexibility to construct policies that fit. Our Temple agents analyze your risks and recommend coverages that protect everything you've built.

Get a Commercial Package Policy Quote in Temple, Texas

Our commercial insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.