OFPA does not offer a “commercial package” policy (which would include coverages such as Liability, Property, Business Interruption, etc. under one policy.) 

Typically, the OFPA covers retail, mercantile, and apartment homes within the Commercial program.  Commercial risks that involve manufacturing are not eligible.

The Insurance Services Office (ISO) Standard Property Policy (CP 00 99) is used with amendatory endorsements. The following perils are included.

Perils	CP 00 99 with Endorsements
(Please refer to the policy form for actual coverages and exclusions).
Group I – Fire or Lightning, Internal Explosion	Yes
Group II –  Windstorm or Hail, Smoke, Riot or Civil Commotion, Aircraft, Vehicles,  Volcanic Eruption	Optional *
Vandalism or Malicious Mischief	Optional **
Falling objects, Weight of Ice, Snow or Sleet, Accidental Discharge of Water or Steam, Sudden Cracking of a Steam or Hot Water Heating System, Freezing, Sudden Damage from Artificial Electric Currents	No

Loss Settlement Provisions	CP 00 99 with Endorsements
Actual Cash Value	Yes
* May be written with the perils of fire or lightning, internal explosion only. ** Extended Coverage must be purchased before Vandalism and Malicious Mischief can be purchased.

Maximum coverage limits written by the FAIR Plan for Commercial Policies (for all coverage parts) is $1,000,000. 

Higher total limits may be available by purchasing Facultative Reinsurance which is arranged on a case by case basis by the underwriter.  Special fully earned minimum premiums will apply when Reinsurance is purchased.

Commercial Underwriting Manual