Commercial insurance refers to commercial insurance. According to the insurance contract, a commercial insurance organization collects insurance premiums from policyholders, establishes insurance funds, and assumes liability for property losses caused by occurrences stipulated in the contract; or when the insured dies, becomes disabled, becomes ill, or reaches the age or age specified in the contract. A contractual act that assumes the responsibility for paying insurance benefits within a time limit.

The objects of commercial insurance can be people and things (including tangible and intangible). The specific subjects are human life and body, property, and property-related interests, responsibilities, credit, etc.

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