Commercial insurance costs vary dramatically depending on the industry sector, annual business revenue, employee count, and geographic location, typically ranging from $1,200 to over $5,000 annually for small businesses. Standalone commercial vehicle or van insurance can range from several hundred to thousands of dollars per vehicle each year based on driving history and cargo type. Businesses with physical storefronts or high-hazard operations face much higher premiums to adequately cover comprehensive property and liability exposures.
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