• Fire
• Flood/Water damage in general
• Insect and/or rodent attack
• Theft
• Vandalism
• Terrorism – whether or not you were the target.
• Deliberate electronic attacks (hacking, hacktivists, denial of service attacks, disgruntled ex-employees, etc.)
• Random electronic attacks such as computer viruses, “worms”, “Trojans”, mistaken identity, catastrophic hard-drive failure, etc.
• Human error – probably the most likely and least acknowledged