Each BOP or package policy has a list of extra protections that will be included and can’t be removed.  These items typically have no cost impact- so even if you could remove them, there would be no premium savings.  Of course, you can usually add or increase limits on certain items if the basic limits are not sufficient. There are also other types of package policies or you can purchase each policy type individually.  While packages are usually less expensive for better coverage, certain industries and niches may have special protection needs that are best addressed individually.