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Commercial insurance isn’t expensive… bad coverage is. If you’re a business owner comparing commercial insurance quotes, it’s easy to focus on price. But choosing the cheapest policy can create dangerous coverage gaps, audit surprises, delayed payments, and major financial risk. In this video, we break down why price is only one piece of the commercial insurance puzzle — and what actually matters when protecting your business. You’ll learn: • How commercial insurance premiums are calculated • Why discovery matters before getting a quote • The risks of choosing coverage based on price alone • Why industry-specific experience makes a difference • How Certificates of Insurance (COIs) impact cash flow • What to expect from premium audits • Why last-minute renewals cost business owners money If your agent didn’t ask real questions about your operations, revenue, subcontractors, or risk exposure… you may have gaps you don’t even know about. Commercial insurance isn’t about getting the lowest quote. It’s about protecting your business long term. 📞 Need a second opinion on your current coverage? Contact Leal Insurance Services today and get clarity before your next renewal. LealInsurance.com and start your quote TODAY!