Industrial Special Risks Insurance

Industrial Special Risk (ISR) Insurance is a wide coverage business insurance policy designed to protect high-value physical assets against a range of risks and loss scenarios including commercial property, buildings, materials and machinery.

Ideal for businesses with significant asset investments, ISR Insurance offers broad protection tailored to your business' complex risk exposures.

What does Industrial Special Risks Insurance (ISR) cover?

An ISR Insurance Policy provides cover for property damage to your valuable assets by any cause not excluded under your policy.

Cover can include:

• Loss and/or damage to buildings, plant and machinery, contents, stock, raw materials, unregistered vehicles and the property of Directors and employees
• Loss of profits, revenue or rentals and/or increased expenses caused by damage to insured property
• Loss of profits, revenue or rentals and/or increased expenses caused by contingent damage to property at the premises of suppliers, customers and utilities
• Burglary, theft of money and employee dishonesty
• Accidental damage and glass breakage

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Do I need ISR Insurance

If you are a Business or Commercial Property owner with Insured Property or high value assets over the value of $5 million, you should consider getting Industrial Special Risk Insurance. Please note that minimum values do vary by Insurer.

Whilst it is ideal for medium to larger organisations, ISR Insurance can also be suitable for smaller companies with high value assets.

Important Tips:

• An ISR policy is sometimes referred to as an ‘all risks’ policy due to its broad coverage. However this name can be misleading and all policies differ. It is always best to check with your insurance broker regarding your level of cover.
• Additional property policies such as Machinery Breakdown, Marine Transit, Electronic Equipment, Motor, Aviation/Marine-Hull or Fine Arts, to name a few, are often required to supplement an ISR policy.