Comprehensive property and business interruption cover designed for manufacturing, industrial and processing businesses across Australia.
Industrial Special Risks (ISR) insurance is a specialised insurance solution designed for businesses with high-value assets, complex industrial processes and significant operational exposures. It provides broader and more flexible protection than standard commercial property insurance, covering physical damage, business interruption and optional liability exposures.
ISR policies are tailored to industrial risks such as manufacturing plants, processing facilities, warehouses and logistics operations where asset values, machinery dependency and downtime risks are substantial. Cover is customised based on your operations, asset values and risk profile rather than being constrained by packaged policy limits.
ISR insurance is commonly arranged by:
Covers buildings, plant, machinery, stock and equipment against insured events such as fire, storm, explosion and accidental damage.
Covers loss of income and ongoing expenses if operations are disrupted following insured property damage.
Covers sudden and accidental mechanical or electrical failure of critical machinery.
Covers unforeseen damage or theft of insured assets.
Covers injury or property damage claims arising from industrial operations.
An Industrial Special Risks (ISR) policy arranged annually to cover buildings, plant, machinery, and stock on a replacement or agreed value basis. Suited to larger or complex risks, offering higher limits and broader wording than standard property policies.
High per-event and aggregate limits for complex operations. Broad “all risks” wording subject to exclusions, with flexible deductibles and sub-limits. Optional extensions may include machinery breakdown, theft, catastrophe perils, and business interruption aligned to turnover and exposure.
ISR policies are individually underwritten and structured based on asset values, operational dependency, natural hazard exposure and risk management controls.
Industrial assets represent significant capital investment
Machinery failure or property damage can halt operations
Downtime often results in substantial financial loss
Standard property policies may not provide adequate limits
Often required by lenders, contracts or financiers
Speak with a broker experienced in complex industrial risks.
Get My ISR Insurance QuoteImportant: ISR policy coverage, limits, exclusions and endorsements vary significantly between insurers. Wear and tear, maintenance failure and cyber events are typically excluded unless endorsed. Advice from an insurance broker is recommended to ensure the policy aligns with asset values, operations and contractual obligations.