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
416
Carriers
65
Avg impact
+3.9%
Max increase
+93.5%
Max decrease
-62.7%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MA | 33 | +3.1% |
| TX | 26 | +5.5% |
| PA | 25 | +4.3% |
| VA | 22 | +3.9% |
| TN | 20 | +3.3% |
| MO | 19 | +5.7% |
| CT | 18 | +5.3% |
| IN | 16 | +6.2% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| SOUTHERN MUTUAL CHURCH INS CO2 states | +54.7% | 2 |
| Nodak Mutual Group1 states | +43.0% | 1 |
| Liberty Mutual Group1 states | +27.0% | 1 |
| Axis Capital Group2 states | +21.4% | 3 |
| CNA Insurance Group6 states | +17.7% | 6 |
| Tokio Marine Holdings Incorporated Group3 states | +16.9% | 5 |
| Granada Financial Group1 states | +15.0% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 13, 2025 | CNA Insurance Group | VT | Cna Paramount Property | +93.5% | +241.1% |
| 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% |
| Sep 30, 2025 | WR Berkley Corporation Group | NJ | General Liability | +43.4% | +54.1% |
| May 19, 2026 | Nodak Mutual Group | 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Glatfelter Religious Practice (Grp) Program (Cmp), 1279-0000-1151 | American International Group | Revised | 182 | Sep 15, 2026 |
| Solutions 2000â® for Agribusiness | Chubb Limited Group | Revised | 25 | Sep 15, 2026 |
| Qbe Custom Property | QBE Insurance Group | Revised | 3 | Sep 15, 2026 |
| Property Protector Policy | Liberty Mutual Group | Revised | 1 | Sep 15, 2026 |
| Multiple Products | Berkshire Hathaway Group | Revised | 127 | Sep 14, 2026 |
| Hp ISO - Rate Services Organization 26 | THE Hanover Insurance Group | Revised | 23 | Sep 14, 2026 |
Top carriers
American International Group1,041
Berkshire Hathaway Group430
Hartford Fire & CAS Group328
Travelers Group269
Chubb Limited Group234
Sompo Group144
Zurich Insurance Group144
Trustage Group115
Top states
MA339
CT206
WI178
TX177
NC175
PA173
KS164
TN156