Commercial property insurance for small-to-medium businesses typically averages between $50 and $150 per month, or roughly $600 to $1,800 annually, depending on the physical size, location, asset replacement value, and industry hazard level of the business. Low-risk professional service offices utilizing minimal computer equipment pay significantly less, whereas high-hazard operations like restaurants, retail storefronts, or manufacturing warehouses face higher monthly premiums due to increased physical and inventory risk exposure.
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