All businesses are aware that they need to purchase certain types of insurance to cover themselves in the event of unforeseen circumstances.  These insurance policies will cover them should something go wrong and they have to pay out on one of their employees getting injured or one of their company cars being involved in a car accident. Similarly they cover themselves against theft of any kind of natural disaster. That’s why it is extremely rare for a business to be operating that doesn't have commercial property insurance, car insurance or workers compensation insurance as a bare minimum.