Can you recommend package policy carriers for a startup founder looking to bundle property and liability protection?

Yes — for a startup founder looking to bundle property + liability coverage, you’re usually shopping for a Business Owners Policy (BOP) or a small commercial package policy. The best carriers tend to be those that are strong in small business underwriting, have flexible endorsements, and can grow with your company.

Good carriers to consider

1) The Hartford

• Strong reputation for small business BOPs
• Often a good fit for tech startups, consultants, agencies, and service businesses
• Solid claims support and common add-ons like cyber, professional liability, and EPLI

2) Nationwide

• Good for bundled business coverage
• Can work well for startups with physical office space, equipment, or inventory
• Often competitive if you want to combine multiple policies

3) Chubb

• Best for startups with higher-value property, more complex risks, or founder-owned businesses that are scaling quickly
• Known for strong service and broad coverage
• Usually better suited once you have more assets or a more sophisticated risk profile

4) Travelers

• Broad appetite for many small and mid-sized businesses
• Strong package policy options
• Good if you need a carrier that can handle property, general liability, auto, umbrella, and more as you grow

5) Hiscox

• Great for professional services and many startups that are not heavily property-driven
• Often attractive for founders who need general liability plus professional liability, with some property coverage
• Easy online quoting in many cases

6) CNA

• Strong commercial package options
• Good for growing businesses needing more tailored coverage than a basic BOP
• Often used when startups outgrow “off-the-shelf” policies

7) Liberty Mutual / State Auto / Berkshire Hathaway Guard

• Can be solid choices depending on your industry and state
• Often available through brokers and can be competitive on package pricing

What to look for in a package policy

For a startup, a good package policy should ideally include:

• General liability
• Business property coverage for office contents, electronics, furniture, and equipment
• Business interruption coverage
• Hired/non-owned auto liability if employees drive occasionally
• Optional add-ons:
  • Cyber liability
  • Professional liability / E&O
  • EPLI (employment practices liability)
  • Umbrella/excess liability

Best carrier depends on your startup type

• Tech / SaaS / consulting: The Hartford, Hiscox, Chubb
• Product-based / inventory / light manufacturing: Travelers, Nationwide, Chubb, CNA
• Brick-and-mortar office or studio: The Hartford, Nationwide, Travelers
• Higher-growth or more complex risks: Chubb, CNA, Travelers

Practical tip

The “best” carrier is often the one that:

1. Understands your industry
2. Offers the endorsements you actually need
3. Has a deductible and premium that fit your cash flow
4. Can scale as you hire and add assets

If you want, I can also give you a shortlist by startup type — for example, tech startup, e-commerce, agency, or hardware company.