What are the typical components included in a packaged commercial insurance policy?

A packaged commercial insurance policy typically includes various covers that are essential for protecting a business from a wide range of risks. The correct option reflects this by highlighting the inclusion of property cover, liability cover, and business interruption cover, as well as optional covers.

Property cover safeguards the physical assets of the business, such as buildings, equipment, and inventory, against risks like fire, theft, and damage. Liability cover is crucial as it protects the business against legal claims from third parties for damages or injury caused by the business's operations, products, or employees. Business interruption cover is particularly important as it helps mitigate losses during unexpected disruptions that affect the operation of the business, ensuring it can maintain revenue flow even while it recovers from an incident.

Optional covers can include additional types of insurance tailored to the specific needs of a business, such as professional indemnity, cyber insurance, or legal expenses. This comprehensive approach allows businesses to address multiple risk exposures in a streamlined manner.

Other options, such as those focusing exclusively on liability cover, health insurance, or personal liability, do not encompass the broad range of protections that a packaged policy is designed to offer, which is why they do not represent a complete packaged commercial insurance solution.