No expert, but some insurance companies have a sliding scale based on the income from the business, which they verify. We’re paying around $1100/year
Business insurance covers you for more things than homeowners/renters insurance covers. Like interruption of business. So it is absolutely worth getting.
And another concern that may cause a homeowner to place a no business clause is utility usage, if they provide the utilities. Electric was mentioned, but also some business types use tons of water, and I placed a no-business clause in my own renter lease because I provide them with internet. But I do not have the upload bandwidth nor uptime guarantee that a business would want.
Note to self: Add “No Laser Cutters without written permission.” to my tenants lease next year. 
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Orrr… Hear me out… An entire apartment block full of Glowforgers! BAM!
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Orrr… If that doesn’t happen:
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lol, I dont know why but I cracked up when I saw this. Nice one.
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That neighborhood would sound like lift-off time at the Kennedy Space Center! 
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If you throw in the monkey, you got yourself a deal! 
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