Commercial business insurance is typically noticeably more expensive than personal lines insurance because commercial policies cover higher risk profiles, greater liability limits, broader operational hazards, and corporate assets. While a personal auto or home policy might cost several hundred dollars a year, comprehensive business insurance packages routinely span from $1,200 to over $5,000 annually. The price difference reflects the expanded scope of coverage required to protect a company against expensive third-party lawsuits, business interruption losses, and workplace injuries.
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