Kind of a big thing most people don't understand about the various forms of "Business Insurance." For the most part, businesses have whatever insurance whatever they are doing requires them to have. Those requirements are set by laws/regulations applied to those entities and the various entities they want to do business with.

At every small shop I've worked when the topic of Business Insurance came up with one of the owners, the response was extremely negative -- basically summarized as "it's the most you will ever pay for something you won't ever be able to use".