How far down the supply chain businesses look will depend on the business-critical nature of the supplies in question, but the high incidence of disruptions from below tier one should prompt firms into action. According to Zurich’s research, working with the Business Continuity Institute in 2014, around 50% of supply chain disruptions come from suppliers in tier 2 or below. The fact they are not direct suppliers makes it more difficult for medium-sized businesses to analyse these suppliers, but the number of disruptions they account for shows just how important it is to generate this improved level of understanding. At the moment businesses are still not doing enough to understand their supply chain risks at a level that will really allow them to employ appropriate and effective risk mitigation strategies, reduction transferral and retention strategies.