The western world is getting harder and harder on those of us who "do not fit the socially acceptable norms". Artists are generally considered sort of "weird". People often like to see what we do.... we are "entertaining".
However, money is the driving goal for most everything when it comes to large businesses. If you do not plug into their "stock formula"....... which is based on those social norms...... it is far easier to just say "no" than spend money on research or take on potential risk. It is not worth studying how MUCH potential risk is actually involved with something like a ceramist's studio...... because those weird artists are few and far between. No market segment economic return there to spend money on chasing. And the artists don't typically HAVE money to get anyway....they always want things cheap.
Yeah, there is the myth on the street that if you are not a busines that ALL insurance companies will be fine with an electric kiln installation as a hobby potter. Some will.... some won't.
Potters think of heat and flames and fire and glowing kilns and bricks as friends. Most of the rest of "normal" people think of them as dangerous and an enemy and a risk to be eliminated .
Insurance companies like taking premiums.... but hate paying claims. They have people on staff whose whole jobs are to pay as little as possible; "adjusters". They "adjust" claims.
Years and YEARS ago I had my one and only claim EVER on my insurance for the studio here. (In the 36 years I've been here.) Was with another company than our current one. Long story short....... the "adjuster" (read that as the screw-job guy) took what was about a $35,000 actual loss...... (snow-load collapse of a section of studio roof after a blizzard followed immediately by heavy rain) and worked some lovely mathematics of depreciation factors and other fine print BS .... and we ended up with enogh money to remove and dispose of a section of the studio...... not rebuild it. Way less than half the claim (that they "accepted"). I might have been able to huire a lawyer to fight them....... but the lawyer would have removed anything that we would have possibly gained... and might have cost me more if we lost.