How do you think about the commercial insurance ?

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How do you think about the commercial insaurance? There're some friends by my side who 're now working for some insurance companies . So they often promote their insurance to me or to their other friends . Do you wanna buy their insurance ? Do you wanna invest your money on commercial insurance ? Do you believe it is safe to spend your money on it ? I always think it has much risk on it .How do you all guys think about it ?