The term itself creates a false sense of security! "Packages" generally include a number of disparate types of coverages and give the misleading appearance of complete coverage. In fact, these packages contain serious deficiencies in the form of exclusions, limitations, warranties, insufficient limits, and rate inflexibility. They were designed to address the general needs of a broad range of policyholders. Packages were not designed to address all the individual risks related to a particular business.