What is the primary focus of commercial insurance?

The primary focus of commercial insurance is to protect businesses from various risks. This type of insurance is specifically designed to address the unique needs and exposures that businesses face, which can include liability risks, property damage, business interruption, employee-related risks, and more.

Commercial insurance encompasses a wide range of products, such as general liability insurance, property insurance, workers' compensation, and professional liability insurance, among others. Each of these products is crafted to provide coverage for the diverse range of situations that a business could potentially encounter, ensuring that the business can operate confidently and sustainably regardless of unexpected events.

In contrast, the other options refer to areas that fall outside the primary focus of commercial insurance. Coverage for private residences is more aligned with personal insurance policies. Insuring individual vehicles relates specifically to auto insurance, which is a personal line of insurance. Providing health insurance to employees, while an important aspect of employee benefits, also does not fall under the commercial insurance umbrella but rather is often considered a separate category of employee benefits or health insurance options. Thus, the correct answer centers on the protection that commercial insurance provides specifically to businesses.