Which insurance is not responsible for covering product failures directly?

Business interruption insurance is designed to cover the financial losses that a business might experience as a result of a disruption in its operations. These disruptions can be caused by various factors such as natural disasters, fire, or other unforeseen events, but it does not specifically cover product failures. Instead, it focuses on income loss due to an interruption of business activities, which may not necessarily be tied to the performance of a specific product.

In contrast, products liability insurance is intended to protect manufacturers and sellers from claims related to product defects that cause injury or damage, product recall insurance specifically addresses the costs associated with recalling defective products from the market, and contingency insurance can cover various unexpected events, often including risks related to products. Therefore, business interruption insurance is the type that does not cover product failures directly.