However well you take care of equipment and installations, it’s simply not possible to defend against all the events that might result in them becoming unusable.
While you’re sourcing solutions, productivity can take a hit, leading to delays or cancellations for customers and significant downtime for workers; so, on top of the expense of repairs or repurchasing, income could fall (possibly lasting well beyond the event if customers lose interest) and/or outgoings increase (e.g. due to hire charges) in an attempt to maintain 'business as usual'.
There are very few businesses that don’t have any dependency on machinery, plant, equipment, installations and/or vehicles. Besides the work equipment you might immediately think of, such as the oven in a bakery or a watch repairer’s lathe, there are systems needed to maintain health, safety, security and welfare in the workplace, including heating, air conditioning, ventilation, security shutters, lighting and washing facilities like showers.