Can I add commercial auto to a BOP?

No. Commercial auto cannot be included in a Business Owner's Policy. You must purchase a separate Commercial Auto policy regardless of whether you have a BOP or a CPP. Some CPP carriers can issue commercial auto as an additional coverage part on the same policy number, simplifying billing and certificate management.

Is a BOP cheaper than a CPP?

Usually, yes, for eligible risks. BOPs are designed with package discounts and streamlined underwriting that keeps costs low for small, low-hazard businesses. However, a BOP with many endorsements layered on can approach CPP pricing. For mid-market businesses, a properly structured CPP covering more exposure in one policy is often the better value.

What general liability limits can I get on a BOP?

Most standard BOP forms offer $1 million per occurrence / $2 million general aggregate, with the option to increase to $2 million per occurrence / $4 million aggregate on many carrier forms. Limits above $2M per occurrence typically require excess/umbrella coverage on top of either a BOP or CPP.

My business has multiple locations, BOP or CPP?

BOPs can schedule multiple locations, but each location still must be eligible under the BOP program and within per-location property limits. If you have locations in different states, different hazard classes, or large property values, a CPP typically gives underwriters more flexibility to schedule each location with appropriate limits and forms.

Does a BOP cover professional liability or errors and omissions?

Standard BOP forms exclude professional liability. Some carriers offer a professional liability endorsement that can be added to a BOP, but coverage limits are usually lower than a standalone professional liability policy. Higher-risk professional exposures should always carry a standalone E&O or professional liability policy.

What is the difference in how claims are handled under a BOP vs CPP?

Both BOP and CPP CGL sections are typically written on an occurrence basis, meaning the policy in effect when the bodily injury or property damage occurs responds regardless of when the claim is filed. The underlying carrier claims process is similar for both. The main difference is that a CPP with multiple coverage parts may route claims through different units or adjusters within the same carrier.

Can a BOP be converted to a CPP at renewal?

Yes. As your business grows and outgrows BOP eligibility, by revenue, property values, or risk class, your broker can remarket the account to CPP carriers at renewal. This is a standard mid-market transition. If properly handled, there should be no lapse in coverage.

Does the BOP include business interruption coverage?

Yes. Most BOPs include Business Income and Extra Expense coverage. CPP Commercial Property forms also include Business Income as a time-element coverage that can be structured more precisely with specific periods of restoration, extended period of indemnity endorsements, and agreed value options, making CPPs more suitable when business income exposure is large.

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BOP vs Commercial Package Policy

Author: Daniel Reyes, CPCU, CIC, Commercial Lines Advisor at Morrow (Afthonea Inc.) Published: June 2026 | Last Updated: June 2026