You may also get fire inspections at a commercial location. Make sure you never have the exits blocked, merchandise is kept away from the ceiling and that your fire extinguisher is up to date. Get rid of extension cords. Get additional outlets added if needed or replace cords that are too short with ones that reach.
Also, you’re place was probably originally built with an ADA/handicapped bathroom, Don’t mess with.
Some flat-rate repairs can be that way. $500 to rebuild a $3,500 circuit board might be two small component replacements 80% of the time
Try PPIB. They insure lots of weird risks, like piercing shops and fireworks dealers:
For small environments, the Synology NAS product ecosystem is hard to beat for the money. They have a lot of software, including client backup and off-site replication to a variety of cloud providers. They also have affordable video NVR software licensing if you need surveillance cameras.
This is also pretty common with payment apps. They make it hard to 100% separate your personal and business accounts. Just transfer it to yourself and note in your books.
You need to call a broker. Ask whoever does your car or homeowners/renters insurance to recommend someone if you can. Brokers represent multiple companies and there is usually one who will work with you. You might have to give up on some things you want, like contents or theft if it’s a tough risk to get covered.