When business owners think about risk, they usually think about physical damage. A fire. A flood. Theft. Storm damage. These are visible. Tangible. Easy to imagine. What often causes more long-term disruption is something less obvious. The inability to trade. Business Interruption Is Not Just a Buzzword Business interruption insurance is designed to protect your income if your business cannot operate due to an insured event. But here is where many owners misunderstand it. It

While business interruption is about your income, liability risk is about your exposure to others. And this is often where businesses are more vulnerable than they realise. What Liability Actually Means Liability insurance is designed to protect your business if it causes loss, damage, or injury to someone else. This can include: A customer injured on your premises Property damage caused during work Professional advice that results in financial loss Products that cause harm F