You mentioned you would like a Christian perspective on the situation.
1 Corinthians 6:5-7
New International Version (NIV)
5 I say this to shame you. Is it possible that there is nobody among you wise enough to judge a dispute between believers? 6 But instead, one brother takes another to court—and this in front of unbelievers! 7 The very fact that you have lawsuits among you means you have been completely defeated already. Why not rather be wronged? Why not rather be cheated?
Your insurance will likely take action against the business to get payment, but from these verses, I feel a Christian should never sue anyone, especially a fellow believer.