Usually business firms take out insurance policies on things that make them money. The business will pay a monthly fee. When the item is stolen or lost the insurance company will write a check to the business that pays the monthly fee minus a deductible. A deductible is how much the business that pays the monthly fee has to pay to replace the lost or stolen item. The insurance company will write a check for the remainder of the cost to replace the lost or stolen item. Insurance is the biggest rip off industry in America because in order to have an item insured, you have to pay a monthly policy and might never have to file a lost or stolen claim with the insurance company. Its like flushing your money down a toliet. Hope it helps a little.