Business Owners Policy vs. Commercial Package Policy

A quick Vermont overview

BOP vs. CPP in plain English

A Business Owners Policy combines core coverages for many small and mid-sized businesses in one pre-bundled policy. A Commercial Package Policy lets us build a custom mix for operations that need more flexibility or higher limits. If you run a Main Street shop in Enosburg Falls or St. Albans, a BOP often fits well. If you have multiple locations, specialty gear or higher risk work around Milton or Georgia, a CPP may be the better path.

 What's included in each bundle

BOP core coverages
Most BOPs package commercial property, general liability and business income. We can often add equipment breakdown, hired and non-owned auto liability, data compromise and other endorsements that matter for Northern Vermont businesses.

CPP building blocks
A CPP is more modular. We can pair general liability, property, inland marine for tools and equipment, crime, and specialty endorsements. Workers compensation is placed as a separate policy, and we will align it with your package for clean certificates and billing.

When each option makes sense here at home

Vermont use cases

BOP: boutiques, cafés, professional offices and service shops in Enosburg Falls, St. Albans and Morrisville that need straightforward property and liability with business income.


CPP: contractors with crews, manufacturers near Milton and Georgia, farm-adjacent businesses with outbuildings or mobile equipment, or any operation that needs higher limits and specialized forms.

Plan for today and tomorrow

Budget and growth considerations

Many new businesses start on a well-priced BOP to control costs. As you add locations, inventory or vehicles across Franklin and Lamoille County, we can graduate the policy to a CPP without losing continuity. Our team at Hull Insurance Agency reviews limits, deductibles and coinsurance to keep your plan aligned with leases and vendor requirements. We also watch for multi-policy and risk-control credits that can help your bottom line.

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Questions Vermont owners ask

  • Is a BOP cheaper than separate policies

    Often yes because carriers price the bundle competitively for qualifying businesses. Savings vary by industry, location and loss history. We shop multiple carriers to show you side-by-side numbers. You choose the value that fits your priorities.

  • Can I add cyber or equipment

    Yes. Many BOPs allow endorsements for data compromise and equipment breakdown. If you need broader tech or machinery coverage, a CPP can include stronger forms and higher limits. We will explain the tradeoffs in clear terms.

  • What if my landlord requires specific limits

    We match your general liability and property limits to lease language, including additional insured and waiver of subrogation when needed. Certificates are turned around quickly so you can open on time. If the lease is complex, a CPP may be needed to meet every clause.

  • Will business income cover supply chain delays

    Business income responds to a covered loss at your insured premises. We can discuss extra expense and dependent property options if a key supplier loss would impact you. Each carrier handles these carefully, so we will set expectations upfront.

  • How do I know if I qualify for a BOP

    Carriers use class codes, revenue, square footage and loss history to determine eligibility. Main Street risks in Franklin County often qualify. If you fall outside guidelines, we pivot to a CPP and keep the pricing competitive.