Sweden’s road and rail networks are also showing signs of strain, and companies continue to face accidents, delays and higher costs due to inadequate maintenance and winter disruptions. Business leaders and insurers are voicing growing concerns that infrastructure quality is falling behind economic needs. If public investment does not keep pace, it is likely insurers will tighten policy terms or even exclude damage caused by network failures. In turn, this is expected to drive demand for policies that cover transport interruptions and business disruption costs. This trend will most likely also give rise to the question of whether public authorities or private operators should ultimately bear the financial responsibility – a debate that is becoming increasingly central to Swedish risk management.