If you own a building you need to protect it and everything within in. You know how much you had to invest to purchase a building and to fill it with furniture, equipment and inventory.
A fire could destroy your business in minutes. High winds could rip apart your roof, take down your signs and bust up the outside of your building. Even if you do not own the building to insure, if a pipe bursts destroying your business's belongings you will want insurance to recover what was lost.
With this coverage you will feel secure knowing your physical property is taken care of.