Meanwhile, trade disruptions caused by tariffs, including a supplier raising prices or stopping shipments due to retaliatory duties, fall outside the trigger. A 25% tariff on imported autos and parts introduced in 2025 has already driven up auto claim severities and disrupted insurer pricing models, illustrating how quickly trade policy shifts translate into insurance market consequences. Business owners building contingency suppliers are taking sensible operational steps, but the coverage gap that sits beneath those operations deserves equal attention.
