Commercial package insurance
for everyday commercial risks
A commercial package policy combines general liability and commercial property insurance in one placement — one submission, one underwriter, one path to bind. Greenwood General's wholesale E&S package markets help retail insurance brokers bundle GL + property (plus inland marine, liquor liability, and excess where needed).
Wholesale Commercial Package Insurance
Greenwood General's Wholesale Division places package, monoline, and business owners policy (BOP) business through excess & surplus markets, built for brokers who want a clean submission path, dedicated commercial underwriting, and flexible package options for accounts the standard market won't touch.
- Restaurants
- Day cares
- Churches
- Convenience stores
- Distributors
- Gas stations
- Smoke shops
- Food trucks
- Strip malls
- Warehouses
Placing apartments or condo associations instead? See our habitational insurance program. For artisan trade risks, visit the contractors general liability program, or explore all of our wholesale commercial insurance markets.
Coverage availability varies by class and underwriting guidelines. For full eligibility, use "View state eligibility."
Commercial package coverage options
Build the package around the account — combine general liability and commercial property in one commercial package policy, add inland marine or liquor liability where the exposure calls for it, or quote monoline when that's the better fit.
Program highlights for package placements
Whether you're quoting a smaller commercial property or placing a higher-value account, our wholesale package markets give you the flexibility to choose package or monoline, move faster, and place with confidence.
Commercial Package Insurance FAQs
Straight answers to the questions brokers ask most before submitting commercial package business.
What is a commercial package insurance policy?
A commercial package policy (CPP) combines two or more coverages — most often general liability and commercial property — on one account, with one underwriter and one placement. Brokers use package policies to simplify main-street accounts and often improve pricing versus separate monoline policies.
What does a commercial package policy include?
At minimum, general liability and commercial property. Through Greenwood General, brokers can also add inland marine, liquor liability, motor truck cargo, or excess liability to the same account, or write a business owners policy (BOP) for eligible small businesses.
What is the difference between package insurance and monoline coverage?
A package policy bundles multiple coverages under one account; monoline writes a single line, such as general liability only or property only. Packages usually make sense when the account has both a liability and a property exposure. Greenwood General quotes both — submit the account and underwriting will structure it the best way.
What businesses qualify for the commercial package program?
Main-street occupancies: restaurants, day cares, churches, convenience stores, gas stations, smoke shops, food trucks, distributors, strip malls, and warehouses. If the account sits close to appetite, submit it — near-miss risks are reviewed individually.
Can property and liability be written together?
Yes — that is the core of the program. General liability and commercial property are written together as a multi-peril package on one submission, which means fewer applications, one underwriter, and a cleaner path to bind.
Do I need a Statement of Values?
Yes. A Statement of Values (SOV) is required on all property submissions. Include building replacement cost, year built, and square footage for each location on the property schedule.
Can I insure multiple locations on one package?
Yes. Multi-location property schedules are written on one account, and larger or higher-value schedules are routed to high-TIV markets covering hospitality, lessors risk, warehouses, and office buildings.
Can I insure older buildings?
Yes. There is no building age restriction when total insurable value is under $2.5M. Frame, masonry, and mixed-use construction are all considered — include update years to speed up review.
Can I submit without an appointment?
Yes. No appointment is required to submit a commercial package risk to Greenwood General. Send the account through the online risk submission portal first, and complete the appointment if you decide to move forward.
How fast are commercial package quotes?
Property under $1.5M typically receives same-day quotes when the submission is complete. Larger and more complex schedules are quoted through higher-capacity lanes with underwriting review.
What states is the commercial package program available in?
The program is available in most states — New York, Georgia, and Florida are currently excluded. Use the "View state eligibility" button above for the current lineup.
How do wholesale commercial package markets work?
Retail brokers submit the account to a wholesale MGA like Greenwood General, which places it with excess & surplus carrier markets the broker cannot access directly. The broker keeps the client relationship; the MGA provides underwriting, market access, and placement support from submission to bind. Placing apartments instead? See our habitational insurance program.
Place commercial package risks with confidence
A wholesale E&S package program designed around how brokers actually work — flexible package and monoline options, responsive commercial underwriting, and strong carrier paper from submission to bind.