In New York, almost any employer with employees must have workers compensation insurance. This requirement is the result of a compromise. In New York, the law takes away the right of workers to sue for workplace injuries in most circumstances. In return, employers pay for workers compensation insurance, and claims are paid out on a "no fault" basis. The purpose of this compromise is to reduce the cost of litigating fault for workers compensation claims. Sure, it's unlikely that your office worker employees will hurt themselves in the course of their jobs, but it's not impossible, and that minimal risk is reflected in the low cost of insurance for office workers.

Editorializing: It is notable, though, that while these sorts of compromises tend to favor larger businesses for whom the administrative overhead is relatively insignificant. A smaller business would probably prefer to just be sued in the extremely unlikely event that anyone got hurt.