Stuff happens. Life and commerce include ups and downs. Bumps in the road should be paid for out of your own pocket. Catastrophes is where insurance comes in.
Use deductibles to limit the involvement of the insurance company in minor losses.
Look to the other side of a loss – the total amount. Use deductibles to decrease premium and put that premium towards higher limits of coverage and broader perils. Consider adding coverage for events that are normally excluded, like flood and earthquake, that could be catastrophic.