Causality insurance is an insurance coverage that covers losses or liabilities which may arise as a result of an unexpected or sudden event, for example, an accident.
Causality insurance is usually linked with property insurance, but both are different in terms of coverage. Property insurance protects the property while causality insurance protects the business.
Alex's office is on the fifth floor of a building and a natural disaster, like an earthquake, occurs and damages the ground floor of the building only. Property insurance will not cover any loss in this case as the earthquake has not affected the fifth floor, but it may cause interruption to your business which may be protected by causality insurance.