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Most people think commercial property insurance is just a bigger version of residential. It’s not. It’s an entire risk calculation—one that starts before you even buy the property. Own a mechanic’s workshop? That’s one level of risk. Own a café with deep fryers? That’s another. Own a tobacconist? Good luck—your premiums will be through the roof. And then there’s strata vs freehold, business interruption, liability cover—each one adding a layer of complexity that most investors don’t factor in wh
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