Still,don't forget that claim has to be based on the "proximate cause of the loss", which is simply what premises defect or personal action set the the damage or injury in motion. Businesses have the equivalent coverage of a homeowners. They have premises med pay, which covers injuries regardless of fault up to $5000. Then there is liability for their negligence,both bodily injury and property damage to others.

An entertainer,however,might have exposure to personal acts,and claims arising from a faulty set up or chords etc. With a paid entertainer, his homeowners wouldn't respond unless he had an umbrella policy like Bill has.

Bernie
Forty five years in the insurance business.