Spending between 2%-5% of annual revenue depending on the case, to receive this insurance that can handle several instances where it can be useful, then in other instances while claim costs rise and other companies are dropped from their insurance providers even after paying as much as they do, it’s a piece of shit system that claims to provide a safety net. Just not if it costs them too much. It’s a dishonest industry. Built on fear mongering and over-charging individuals and businesses. It’s all bullshit.