Final answer:
Force majeure is the term used to describe the inability to continue operations due to a natural disaster or accident.
Step-by-step explanation:
The term used to describe the inability to continue operations due to a natural disaster or accident is force majeure. Force majeure refers to unforeseeable circumstances or events beyond human control that disrupt normal business operations. It can include natural disasters such as earthquakes, hurricanes, floods, or accidents like fires or explosions.