Which type of insurance cannot be included in a Commercial Package Policy?

A Commercial Package Policy (CPP) is designed to allow businesses to combine various types of insurance coverages in one unified package. However, there are certain coverages that cannot be included in a CPP, and that’s where Workers' Compensation comes into play.

Workers' Compensation insurance specifically focuses on providing benefits to employees who are injured or become ill as a result of their job. It is heavily regulated by state laws and requires specific compliance and coverage requirements that differ significantly from other types of business insurance.

The nature of Workers' Compensation regulations means that it is typically written as a standalone policy, separate from a CPP, to ensure that the coverage adheres to state mandates. In contrast, other options listed—such as Personal Property Insurance, Commercial General Liability, and Property Damage Insurance—can be included within a CPP, as they often cover risks associated with the property and liabilities of a business but do not have the same regulatory constraints as Workers' Compensation.