Why do I need office insurance?

Cover for a commercial office property is essential, especially as a rented space. Anything from break-in and theft through to employee injury or even fire or flood damage can occur in properties such as these. Having full coverage for all the equipment within the office that you own as well as for the maintenance and rebuilding of the property is key to ensuring you face no sudden legal or repair fees that would be hard to cover. I am not sure what legal costs the writer is referring to in this sentence as they only refer to material damage.