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Stoneham, MA 02180

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Commercial Package Policy Insurance

CPP Insurance - Main Photo

Streamlined Protection for Your Business

As your successful business evolves and expands, ensuring your commercial insurance policy adapts accordingly is vital to safeguard your continued success. With CPP Insurance from LoPriore, you can rely on comprehensive coverage that not only protects you at present but also grows alongside your business, offering continuous support and protection.

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Massachusetts CPP Insurance
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Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Massachusetts CPP Insurance
Lopriore Insurance Agency

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At LoPriore Insurance Agency, we understand the critical importance of protecting your professional endeavors. As a business person, you are exposed to potential liability risks related to the services you provide. Client grievances and claims can arise, leading to legal challenges. To safeguard your reputation and assets, having the right insurance coverage is crucial. Our motto, “we make insurance easy for you,” reflects our commitment to providing personalized solutions. We recognize that each profession has unique risks, and there is no one-size-fits-all approach. That’s why we take the time to understand your specific needs and tailor a Commercial Package Insurance policy that aligns perfectly with your requirements.

With our extensive network of insurance providers, we offer a diverse range of coverage options designed to fit your profession, ensuring you receive the protection you need without unnecessary complexities or uncertainties. At LoPriore, we strive to make the insurance process hassle-free, providing you with peace of mind so you can focus on your business and professional endeavors. Whether you are a seasoned professional or starting your venture, we are here to help you navigate the complexities of insurance, offering customized solutions that safeguard your interests and investments.

Understanding the Importance of
CPP Insurance

Commercial Package Policy (CPP) insurance provides comprehensive coverage for businesses. It’s an insurance policy that bundles various coverages together, offering a more efficient and cost-effective solution for businesses compared to purchasing individual insurance policies for each specific risk.

What is It?

The Commercial Package Policy (CPP) is a flexible insurance solution for medium to large businesses. It offers customizable coverages and limits that can be tailored to fit your specific needs. As your business evolves, you can easily make adjustments to the policy to ensure continued adequate protection.

Why Do I Need It?

A Commercial Package Policy (CPP) is essential for medium to large businesses as it offers comprehensive coverage by combining multiple insurance types into a single policy. It allows customization to meet specific business needs, provides cost savings compared to buying separate policies, and simplifies insurance management with a single insurer and streamlined processes.

Who Is It For?

A Commercial Package Policy (CPP) is for medium to large businesses that have outgrown a standard insurance policy. CPPs offer flexibility to tailor insurance coverage based on the growing needs of the business.

How To Insure My Business

CPP Insurance - Insure My Business

When insuring your mid to large business with a Commercial Package Policy (CPP) insurance, start by assessing your business’s specific insurance needs, considering factors like industry, size, assets, and liabilities. Work with a reputable independent insurance agent in Massachusetts that understands CPP insurance policies. Trust that your insurance agent will customize the policy to fit the scope of your business operations.

Tips for buying Commercial Package Policy Insurance

When insuring your business with a Commercial Package Policy (CPP), it’s crucial to make well-informed decisions to ensure that your operations and assets are adequately protected. Here are some crucial tips to consider:

Evaluate Your Coverage Needs

 Thoroughly assess the specific risks your business faces to determine the necessary coverages under the CPP. Tailor the policy to include essential protections, such as property insurance, liability coverage, and business interruption insurance.

Review Policy Details

Carefully review the policy inclusions, exclusions, and conditions to understand precisely what is covered. Be aware of any limitations or exclusions that may apply to certain aspects of your business.

Explore Cost-Effective Options
Seek cost-effective solutions by bundling coverages within the CPP. This can potentially lead to cost savings compared to purchasing separate policies for individual risks.


How much does Cpp Insurance Cost?

The cost of a Commercial Package Policy (CPP) insurance can vary significantly depending on several factors. The premium is determined based on the type of business, its size, location, industry, revenue, past claims history, selected coverages, policy limits, and the level of risk associated with the operations. Generally, larger businesses with more complex risks may pay higher premiums. On average, CPP insurance costs can range from a few thousand to tens of thousands of dollars annually. To get an accurate cost estimate for your business, it’s best to work with an insurance agent or broker who can assess your specific needs and provide tailored quotes from different insurers.

CPP Insurance - Cost
Location
Coverage Type
And Limits
Type of Business
Risk Assessment
Claim History
Business Size

Factors that Affect The Cost Of CPP Insurance

The cost of Commercial Package Policy (CPP) insurance is influenced by several key factors. These factors include the type of business, its size, industry, location, claims history, selected coverages, policy limits, and the level of risk associated with the operations..

Secure Your Success
Protect What Matters

Request Your CPP Quote Today

Discover the perfect insurance solution for your business with our Commercial Package Policy (CPP). Request a CPP quote now and secure the protection your business deserves. Trust us to provide the coverage your business deserves.

Secure Your Success
Protect What Matters

Request Your CPP Quote Today

Discover the perfect insurance solution for your business with our Commercial Package Policy (CPP). Request a CPP quote now and secure the protection your business deserves.

CPP Insurance Coverage Details

Protecting your business against unique risks is crucial, and a customized Commercial Package Policy (CPP) ensures you get the exact coverage you need without paying for unnecessary extras. With your tailored policy, you can choose from a variety of commercial coverage options to create a comprehensive insurance plan.

Standard CPP Policy

A standard Commercial Package Policy (CPP) provides comprehensive protection for a range of common business risks. Here’s an overview of what a Commercial Package Policy can include:

Commercial Property Coverages
Commercial Property Coverages in a CPP insurance provide protection for your business premises, equipment, inventory, and other physical assets against various perils such as fire, theft, vandalism, and natural disasters. With these coverages, you can ensure that your business property is safeguarded, allowing you to focus on growing your enterprise without worry.
Commercial General Liability
Every public facing business faces certain liability risks. Commercial liability coverage protects from losses related to these potential risks. General liability insurance provides coverage for bodily injury or property damage when the insured is legally responsible. Medical costs, accidents related to complete manufactured products, and defense costs may be covered. It also includes coverage for advertising injury and personal injury.
CPP Insurance Coverage

Coverage Extensions & Additional Coverages

A Commercial Package Policy (CPP) doesn’t have a fixed number of parts or sections, as it’s a customizable policy designed to meet the specific needs of a business. The sections of a CPP are determined by the individual coverages that a business chooses to include.

This provides coverage for lost income and extra expenses if the business is temporarily closed due to a covered loss.

Commercial Crime Coverage is a crucial insurance solution that safeguards your business from losses resulting from various criminal activities, such as burglary, robbery, and employee theft. This coverage extends to protect money and securities, whether they are located on or off the business premises, providing comprehensive protection against financial losses due to crime-related incidents.

Employee Dishonesty Coverage provides essential protection for employers against financial or property losses resulting from the fraudulent acts of employees. This coverage ensures that businesses are safeguarded against the potential financial impact of dishonest actions by their own employees.

Equipment Breakdown Insurance is a vital form of protection, often not included in standard commercial policies, which covers electronic losses, including telephone systems and computers. It provides coverage for both repair expenses and business interruptions resulting from the covered event, ensuring your business is safeguarded against unexpected equipment failures.

Inland Marine Insurance offers coverage for items in transit and the property of others in your custody. Additionally, it extends protection to property not typically located on your business premises, including employee possessions and contractor equipment. This versatile coverage ensures comprehensive protection for valuable assets beyond the confines of your business location.

Ordinance or Law coverage comes into play when a significant portion of a commercial building is destroyed, and local regulations necessitate demolishing and rebuilding the damaged area to comply with current building codes. This coverage encompasses the cost of demolition and reconstruction, including the increased construction expenses required to adhere to building codes.

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What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Security, Extra Peace of Mind

Get a free Commercial Package Policy (CPP) insurance quote today by providing your business details and coverage needs. Our experienced team will tailor a comprehensive policy to protect your business from various risks, ensuring peace of mind and security. Don’t miss out on this opportunity to safeguard your business with a personalized CPP quote.

Quote Request Form

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CPP Insurance FAQs

A Business Owner’s Policy (BOP) is designed for small to medium businesses. While you can add optional additional coverages, the main protection options are typically the same. CPP is for continued growth. A CPP has many customizable options for the specific coverage you need.

It is possible to purchase commercial insurance policies separately. However, a CPP is usually the most cost-effective way to get complete commercial coverage.

Since your CPP is largely customizable, costs vary. Some factors included in the price of your policy are your chosen coverage and limits, the size of your business, and your safety practices.

If you have the proper liability coverage in place and the costs don’t exceed your limits, your CPP will protect you in the event of a lawsuit related to a covered event. Some exclusions may apply, so it’s important to understand the details of your policy.

Massachusetts law requires all businesses to provide worker’s compensation for all employees no matter how many hours they work. Local ordinances, your vendors, and lenders may require you to have additional commercial coverage.

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What Others Are Saying About Us!

Jane was a very thorough agent. Got us all the information we needed.
Outstanding business. John the owner runs a great business
Thomas Carney
Thomas Carney
1706167204
Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
1698691773
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
1698119096
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
1696361074
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
1695934615
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
1690206403
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
1689254503
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
1687787112
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
1685988192
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Bible4Shelley
Bible4Shelley
1685148846
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
1683825783
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
1681827535
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
1680807226
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
1678895614
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
1670772058
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
1670612597
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
1669143561
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
1668718966
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
1663539289
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
1662487813
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
1661537083
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
1656174402
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
1656019779
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
1655980116
Always responsive, professional and helpful.
Devin Cole
Devin Cole
1654628713
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
1653401533
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
1653400226
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
1651851616
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
1556196383
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
1540557208
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
1540331621
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
1539883859
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
1538484673
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
1526074049
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno
1520269176
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