Business risk insurance is a type of insurance that protects entrepreneurs from potential losses related to their business activities. It is a legal relationship between the insurer and the policyholder, where both parties have rights and responsibilities. Unlike liability insurance, which covers wrongful behavior, business risk insurance focuses on potential dishonesty from the policyholder's contracting party. The legal understanding of business risk insurance should consider both its content and legal form, highlighting the importance of the policyholder's role in this type of insurance.