If in a retail or hospitality type of business, then you would be receiving a lot of cash transactions. Then a Money section is a must because it covers you for loss of money on the premises, in a locked safe or strongroom, whilst in transit and whilst in your custody.
Money is not picked up by the Burglary section.
It can also cover a float left outside of business hours if not locked into a safe.
The limit you select should be based on the maximum you could lose at any particular time of the day. Remember this policy covers you for being held up whether on the premises or not.
Processes such as regular banking at various times of the day can allow for a lower limit to be taken but is not always possible in a practical sense.