What I really wanted to examine was not the disparity of my situation, but rather the laws. These insurance costs are what is keeping many ground floor business’s from getting started. A lot of new business licenses are being bought under the title: new business.
To be quite frank, 250 bucks isn't that much. Imagine if you tearing out an old floor and accidently tear up some plumbing. Then what? I'm guessing it would be more than 250 bucks to fix.
I also don't see how a 250 dollar start up fee is stopping new businesses from starting up. A good floor sander costs way more than that.