A very informative way to learn the types of things that can disrupt a company’s operations and incur costs, is to check the standard insurance policies for these types of facilities.
For example, water damage:
“If you have an HVAC system in your office building, your business could face the threat of water damage. If your business has any machinery, appliances, or other equipment involving water, your business can be damaged by water. Even something as simple as a malfunctioning toilet or sink can lead to extensive water damage”
Things like, bursting pipes, gradual leaks, backup of sewers or drains, etc, are commonly insured against, precisely because they can cause extensive damage. These are also, of course, problems that are relatively easy to cause.
“Your office toilet backing up and causing sewage to overflow and ruin any building contents within its reach… A utility’s sewer pipe clogging, backing up into your building through a drain on the first floor… or your building’s sump pump getting overwhelmed and overflowing rainwater into the basement and its contents.”
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