I may be mistaken but I thought FDIC deposit insurance didn't apply to business accounts anyway.
Regardless it is good practice to know exactly what the state of affairs of your bank accounts are and to really spend some time to read the fine print regarding balances and what will happen to them if the bank should go under or cease operations for whatever reason.
In NL by the way DNB will guarantee business accounts as well.
Example from Triodos Bank:
https://www.triodos.nl/nl/zakelijk/service/veelgestelde-vrag...
(in Dutch)