I scoured through some switchboard literature and what I could access of UL 891, and I could find no mention of any requirement from UL or the manufacturer that they be protected at their ratings. Just speculation, but perhaps the code writers don't require this protection for switchboards because they figured these are more likely used in situations where there is proper sizing, design and engineering. Plus, as I said, you already typically have section buses rated less than the through bus so it is already not protected at its rating anyway.