Insurance Question

I’m wondering, for the commercial insurance (not liability), what are the events we are insuring against. Obviously hurricanes, tornados, wind storms, but what else exactly?
From what I can see, the only thing susceptible to damage is the overhead electrical wires. Pipes are underground, asphalt not going to get damaged by a storm. The homes of course, but lets assume those are TOH or covered by an open lot policy.

We only do Liability and homes newer than 2015

Maybe check with @KurtKelley

Can anyone suggest an good insurance carrier for Texas.