Factories have more value and health issues at stake there for more scrutiny from the PCCC fire dept.

As for all companies the 3 main concerns are

#1 Property value: equipment / Inventory / and often forgotten Goods in custody with tricky question of including import taxes or not

#2 Construction costs: which adds to the decoration costs in offices

#3 3rd party liability that need to extend to special vehicles that can cause serious damages (think a construction crane falling in city center or special machines carriage)

Then comes the ‘worse case scenario’

#4 Business interruption costs/profits

#5 Relocation costs temporary or definitive

#6 Professional or Directors liability for mass damage like water or lethal pollution due to toxic products…

#7 You may have you own needs…