Why are they getting shitty insurance that doesn’t cover property damage (to some extent) due to anything besides their own negligence? Pretty sure there’s insurance that does because many city governments don’t want blighted areas because businesses couldn’t get insurance (See: Watt riots aftermath in LA CA, circa 1960ish. City eventually forced reforms to help Watts lure business to be less of a cesspool of violence… like the late 80s)
Any business owner assuming police and firefighters will always be able to stop harm to their business is asking for problems. Shit happens and if you fail to cover your ass, it will get kicked. Businesses use other options to protect their business even when police and firefighters are supposedly readily available. Private security firms are numerous and profitable.
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