What type of coverage is insurance meant to provide against operational disruptions?

Business interruption insurance is specifically designed to protect a business from the financial losses that can occur as a result of operational disruptions. Such interruptions could be due to various events like natural disasters, fires, or other unexpected incidents that halt normal business operations. This type of insurance typically covers the loss of income that the business would have earned during the period of disruption, as well as certain operating expenses that still need to be paid even if the business is not generating revenue.

In contrast, general liability insurance focuses on protecting a business against claims of bodily injury or property damage caused to third parties, rather than the operational aspects of a business. Commercial auto insurance deals with vehicles used for business purposes and protects against accidents and liabilities involving those vehicles. Errors and omissions insurance, also known as professional liability insurance, is designed to protect professionals against claims of negligence or inadequate work. Each of these other options addresses different aspects of risk management and does not provide the specific coverage for income loss due to operational stoppages that business interruption insurance offers.