Yes a business owner is an individual. But y’all are missing the point. Have you ever heard of the joking term in construction “If you fall, you’re fired before you hit the ground”? That’s a joke but it’s relevant to my point. They say that because During operational hours of said business, you’re not an individual. You’re a entity. If someone falls or hurts themselves during operational hours, the BUSINESS is held liable. Not the individual owner. Hence the need for liability insurance. If what you guys are arguing is not debatable, then we all would need individual policies in case someone hurts themselves at your home. Can it be done? Sure. But it’s not required. To take it farther, yes Discrimination happens every day at businesses. But as a business owner you do not have the right to say for example: “Mr Black man, I see you’re more than qualified for this position. However, I don’t like black people and therefore I’m going to wait for a white man with the same qualifications”. If you’re a racist POS that may indeed be the reason you didn’t hire him BUT you can’t say it. As an individual, you can say whatever you want without consequence (outside of maybe getting your ass whopped). There’s a huge difference in the freedoms as an individual vs a business because the constitution is geared towards the individual.