A commercial package policy (CPP) allows the insured to customize their coverage. What type of coverage can they NOT choose in a CPP?

In a commercial package policy (CPP), businesses are granted the flexibility to combine different types of coverage tailored to their specific needs. However, Workers Compensation Coverage is distinctive in this context.

Workers Compensation is generally required by law for businesses with employees. It covers medical expenses and lost wages for employees who become injured or ill due to their work. Because it is mandated by state law, it cannot be elected as part of a CPP; businesses are required to maintain this coverage separately.

In contrast, options like Property Coverage, Business Interruption Coverage, and General Liability Coverage can be included in a CPP. These coverages are typically customizable, allowing organizations to select the specific types and levels of protection that align with their individual risks and operational requirements.

Thus, Workers Compensation is uniquely separate in terms of its legal obligations and cannot be elected as part of the customizable elements within a CPP.