Actually in 95.303 it is for business usage:
Family Radio Service (FRS). A short-distance two-way voice communication service, with limited data applications, between low power hand-held radios, for facilitating individual, family, group, recreational and business activities.
So FRS can be used for business purposes, but the limited range may render it less than usable for all scenarios...
MURS is a License by Rule service. No fees, no callsigns
As in 95.2703
MURS. A two-way, short distance voice or data communication service for facilitating personal or business activities of the general public.