Commercial Package

Commercial Package Insurance Policy

The Commercial Package Insurance Policy (CPP) can be issued to include almost any type of coverage offered, from property and liability to auto, crime, inland marine and professional liability.  When your business risks goes beyond the coverages in a BOP, the flexibility offered by a Packaged Policy provides the opportunity to design a policy specifically for the needs of an organization.  It also enables you to have almost all your coverage in one convenient package.

Most Commerical Package Insurance Policies offer expanded coverage endorsements. These endorsements provide additional coverages or increase the base current coverages for lower premiums than purchasing each coverage separately.  After assessing your business risks and determining that a commercial package policy is what you need, we will design a custom commercial package insurance policy with specific coverages for your business.

Here are a few main coverages included in a typical Commercial Package Policy:

Commercial property coverages:

  • buildings, including additions under construction, permanently installed machinery and building glass
  • business personal property
  • leased business personal property used in your business
  • property of others left in your care for which you are legally liable
  • sales samples

Your business personal property doesn’t stay in one place, and neither does your coverage.  Most policies cover your business personal property while in transit, at trade shows, or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for the extra costs of:

  • removing debris of covered property from your premises
  • cleaning up pollutants from land and water on your premises
  • taking inventory and preparing claims statements
  • securing appraisals
  • recharging fire extinguishers

A property loss can slow down or even stop your operation until repairs are made – and that may mean lost income. You receive several business income coverages that can reimburse your loss of income and necessary extra expenses you incur to keep your business operating after a covered loss.

Options to Suit Your Needs

  • Ordinance or Law Coverage – provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes after a covered loss.
  • Inflation guard coverage – provides coverage for inflationary increases in your building and business personal property values. The limit of insurance on your policy automatically increases at the annual percentage rate you choose.
  • Equipment breakdown coverage– provides coverage for loss resulting from the sudden and accidental breakdown of machinery and equipment used in your business.
  • Utility services – provides coverage when a covered loss to a power, communication or water utility interrupts service to your premises, which then causes a covered loss to your building, business personal property or loss of income.
  • And Many MoreContact us for a detailed risks assessment and insurance proposal.

Protect Against Liabilities

We will provide a risks assessment, custom build a Commercial Package Insurance Policy that meets your needs, and shop the companies to get the best value for you.   Give us a call, request an email quote, or visit us to get the best insurance protection and services for your business.

Britannia Insurance Group serves families and business owners in Northern Virginia for all their insurance needs.  Our mission is to educate consumers about insurance products and how they work.  We go to work for you by doing a thorough analysis of your unique situation and needs before recommending solutions.  We evaluate carefully all the insurance carriers we represent and find ones that fit your needs based on the coverage they offer as well as the price.

 

Do I need an insurance agent now that I can do it myself using the internet?

 

Living in the technology age has changed the way we all live our lives.  Industries are being created and others are being rendered a thing of the past, Insurance is involved in all of those changes while it undergoes changes of its own.  Insurance is a contract between a company who guarantees compensation for specified loss, damage, illness or death in return for payment of a premium.  Some insurance policies are mandatory like car insurance while other types are voluntary like life insurance.  To navigate through the choices and decisions involved you can choose to do-it-yourself or hire the services of a professional.  I am all for taking on certain D-I-Y projects like cutting your own grass or hanging ceiling fans but hiring a professional insurance agent is one choice I highly recommend.

 

Why should I hire an Independent Insurance Agent?

 

Once you decide to hire a professional insurance agent, the next decision is whether to go with a Captive agent or an Independent one.  Captive agents represent one insurance company and all the products that they offer.  The Independent agent represents multiple insurance carriers and can shop around with those carriers as they compete with each other for clients.  There are great insurance agents in both categories and choosing one is a personal preference.  The biggest difference is when the policy has been in place for a couple of renewals and the premium starts increasing.  An independent agent can shop around for you with other carriers if your rates start increasing by too much and the relationship can remain in place.  Captive agents do not control rate changes that happen from their companies and so do not have this option.  Building strong relationships with our clients is what sets Britannia Insurance Group apart from our competition.

 

Why Britannia Insurance Group?

 

  • Inquiry – We pride ourselves on asking great questions and the more information we collect means the better advice we can give you.
  • Integrity – Doing our best for every client by being honest and transparent during the process of working together.
  • Dedication – Educating clients about the insurance coverage they need and coverage options they can choose from to customize policies that fit their unique needs.
  • Philanthropy – Giving back to our community is an essential part of who we are.  By giving back to the community through volunteering and donating part of the company profits we strive to do our part in building stronger communities.

 

Britannia Insurance Group is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Virginia, Maryland, and D.C. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Commercial Package Insurance Policy you need.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business. Please call one of our commercial insurance agents at Britannia Insurance Group for any assistance.

 

Simon England

About 

Simon England founded Britannia Insurance Group in 2019 after noticing a need for an Independent Insurance agency in Brambleton, Virginia. Having worked for a few different agencies in Maryland and Virginia over the last 10 years, Simon brings a wealth of insurance experience to his clients. As a former high school teacher and soccer coach, he takes an educational approach to helping clients understand how insurance works and teaching them how to play the insurance game. Attention to detail and valuable tips based on experience are just two of the qualities you will receive when choosing Britannia Insurance Group as your agent.

Simon is originally from Liverpool, England and is extremely proud of his heritage. He gets his interest in history from growing up in the historical city of Chester which was built by the Romans all the way back in the 1st Century A.D. His love for music and soccer also come from his family and where he grew up. When he is not in the office you can find him attending concerts or following his favorite sports team, Liverpool F.C.

Simon and his wife Charissa love living in Brambleton where they have the privilege of being able to explore the wonderful areas around them with their son, Dylan. His other sons, Ian and Stevie, come to visit as often as possible and bring a lot of joy to Simon’s life. Getting visits from his family from the UK or from his wife’s family who live in different states are another source of happiness for Simon.

Treating clients like family is what Britannia Insurance Group does. My commitment is always to do what is right for you and your family at all times. Education about how insurance works for you will set us apart from other agencies. Having a professional insurance agent guide you through the complicated world of insurance is a smart decision, we hope you choose Britannia Insurance Group to be that guide. Simon will work hard for you and ensure that “You’ll Never Walk Alone”.

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