CPP combines property, stock, crime, general liability, commercial auto, earthquake and a genuinely substantial farm section into a single filed policy — 158 coverages, one bill, one renewal date, one adjuster when something goes wrong.
Every business we write picks the sections it needs. Nobody pays for earthquake coverage they cannot use, and nobody has to buy a second policy for the parts CPP already includes.
The building and the contents that run the business — fixtures, equipment, furniture and inventory outside of stock.
Merchandise held for sale, valued and adjusted separately from the fixtures and equipment around it.
The gaps a base property form leaves — ordinance or law, debris removal, newly acquired locations and more, all in the base policy.
The largest single section — the endorsements that let a policy fit a specific business instead of a generic one.
Available where the exposure warrants it, rated and deductibled separately from the wind and hail on the base form.
Employee dishonesty, robbery, burglary and money & securities — the exposures a property form does not touch.
Bodily injury and property damage liability arising out of the business’s operations and premises.
Vehicles titled to the business, on the same policy as everything else it owns.
The largest section on the form, and its own band below — this is not a farm endorsement bolted onto a retail policy.
Most business package policies treat a farm as an exception. CPP treats it as a section — barns, equipment, livestock, production and the buildings in between, all filed as part of the same programme as the retail shop down the road.
Barns, grain bins, machine sheds and outbuildings, each scheduled on its own.
Tractors, implements and irrigation equipment, on or off the insured premises.
Coverage that follows the animals, not just the buildings that hold them.
Loss of farm income when a covered loss interrupts the operation.
Set per location and per coverage, so one bad roof does not raise the deductible on everything else you own.
Priced separately from the base property deductible, reflecting the real weather exposure in Oklahoma.
A cap on total deductible exposure across multiple losses in a single term, not just a per-occurrence number.
A total ceiling on general liability payouts for the policy term, alongside the per-occurrence limit.
Modifiers that adjust the filed base rate up or down for the business’s own loss history and risk profile.
Construction, protection and occupancy determine the hazard grade that anchors the rate before any modifier is applied.
CPP spoilage and business income paid within nine days — and loss control had already flagged the compressor at the last survey.
One adjuster, one claim number, one settlement across property, equipment and farm liability — because it was all one policy.
Crime and stock coverage settled together, on the same declarations page, without a second carrier or a second deductible.
Every step runs through the same underwriter, on the same filed programme, whether the business needs three sections or all eight.
Your agent submits the business details and the sections you want covered.
Construction, protection and occupancy set the hazard grade for each location.
Loss history and risk-specific factors adjust the base rate up or down.
Every selected section is issued together, with a single renewal date and a single point of contact.
CPP is written exclusively through appointed independent agents.