Commercial insurance, as a profit-oriented insurance form, operates in specialized insurance enterprises by signing insurance contracts. This insurance relationship is based on the willingness of the insured and the insurance company. By paying the insurance premium, the insurance company bears the liability for property losses under the agreed circumstances, or pays the insurance premium for the insured's specific events (such as death, disability, illness, age or the end of the period).

There are various types of commercial insurance, including accident insurance, health insurance, endowment insurance, education insurance and financial insurance, and each insurance has its own emphasis on risks and protection objects. Accident insurance focuses on accidents, health insurance focuses on disease protection, old-age insurance provides support for future old-age life, education insurance focuses on children's education expenses, and financial insurance has both investment and protection functions, so that policyholders can choose suitable products according to their own needs.

The core features of commercial insurance are as follows: its business entity is a commercial insurance company, and the insurance relationship is clear through the insurance contract; The object of protection includes not only people and material property, but also interests and responsibilities related to property; And the insurance company pursues profit, in order to provide the maximum economic security to the insured. Generally speaking, commercial insurance is a flexible and personalized risk management tool, which aims to provide effective protection for the risks of individuals and enterprises.