Product background
Commercial package policies combine multiple commercial coverage parts for ventures that need broader packaging than a standalone monoline product or a small-business BOP.
CPP filings are useful for seeing how property, liability, crime, inland marine, equipment breakdown, terrorism, and state-specific amendatory forms are bundled and coordinated.
Common filing signals
- Coverage part schedules, package declarations, and common policy conditions
- Property and liability coverage part revisions filed under the same product program
- Protective safeguards, terrorism, water, equipment breakdown, and crime-related endorsements
Rate impact
Filings
418
Carriers
61
Avg impact
+3.7%
Max increase
+62.2%
Max decrease
-42.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MA | 35 | +3.5% |
| PA | 23 | +3.9% |
| TN | 22 | +2.4% |
| TX | 22 | +6.2% |
| VA | 21 | +3.2% |
| CT | 19 | +5.1% |
| IN | 19 | +2.4% |
| MD | 16 | +3.2% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Axis Capital Group2 states | +21.4% | 3 |
| CNA Insurance Group3 states | +18.6% | 3 |
| Tokio Marine Holdings Incorporated Group4 states | +16.1% | 6 |
| Shelter Insurance Group4 states | +8.8% | 4 |
| Grange Mutual CAS Group7 states | +8.7% | 7 |
| Fcci Mutual Insurance Group4 states | +7.3% | 4 |
| Hartford Fire & CAS Group33 states | +7.1% | 36 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jun 11, 2026 | Zurich Insurance Group | LA | Property Portfolio Protection (P3) Cmp - 2026 (Rate/Rule) | -62.7% | 0.0% |
| Jul 16, 2026 | SOUTHERN MUTUAL CHURCH INS CO | GA | Smm 2026 | +62.2% | +110.3% |
| Jul 16, 2026 | SOUTHERN MUTUAL CHURCH INS CO | TN | Smm 2026 | +47.2% | +66.7% |
| May 19, 2026 | Westminster American Insurance Company | DC | Habitational Program Revision | +43.0% | +43.0% |
| Jun 11, 2026 | Zurich Insurance Group | MA | Property Portfolio Protection (P3) Cmp - 2026 (Rate/Rule) | -42.3% | 0.0% |
| Jun 4, 2026 | Axis Capital Group | TX | Ara | +38.6% | +59.8% |
| Jun 23, 2026 | Berkshire Hathaway Group | GA | Pager | +37.5% | +398.0% |
| Jun 11, 2026 | Zurich Insurance Group | LA | Property Portfolio Protection (P3) Cmp - 2026 (Rate/Rule) | -37.2% | 0.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Non-Profit Churches | Berkshire Hathaway Group | Revised | 5 | Nov 10, 2026 |
| Spectrum – Su 30 15 03 20 – Revised Form | Hartford Fire & CAS Group | Revised | 15 | Nov 9, 2026 |
| Community Association Underwriters | Munich RE Group | Revised | 14 | Nov 9, 2026 |
| Tcfic / Huic / Pcic 2026 Rate Plan - Amend Eff. Date | Hartford Fire & CAS Group | Other | 1 | Nov 9, 2026 |
| Towmax Program | Incline Insurance Group LLC Group | Revised | 17 | Nov 7, 2026 |
| Commercial Professional Package | Berkshire Hathaway Group | Revised | 51 | Nov 6, 2026 |
Top carriers
Top states
MA343
CT206
KS173
TX169
WI167
NC163
KY157
TN148