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For me all I know about insurance is that anything happens to you , you are insured. If you have a health insurance, when your sick you don’t have to worry about the hospital expenses, the money you will use to buy medicine for your prescriptions. The insurance will all handle the expenses.
For car insurance all I know is that when something happens with your car if an accident occurs you won’t have to worry about the damage expenses.
About business insurance I have heard this once when i was young and my parent was managing a hardware store. And an accident happens when the building where we are renting the store is one fire. My mother remind my father that don’t worry about the business. It is insured, that time my father remember the car insurance company comparison he had read a few days before the accident happens.
I think the insurance is important, and if we can avail to have one we must apply for it.