noun
commercial insurance
Insurance provided by for-profit companies, as opposed to mutual or government insurance.
営利保険と共済の違いを説明してください。
Please explain the difference between commercial insurance and mutual aid.
共済 is a mutual aid or cooperative insurance, often non-profit, while 営利保険 is for-profit commercial insurance.
Compound of 営利 (profit-making) and 保険 (insurance).