The combined asset picture
Bring buildings, machinery, stock and locations together, retaining the value and use of each. Identify single points of dependency across sites.
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Industrial Special Risks
Industrial Special Risks is an insurance discussion for substantial or interconnected property and operational exposures. The label does not by itself establish eligibility, a value threshold or broader cover than another property policy.
Who it is for
Businesses reviewing substantial or interconnected property and operational dependencies.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Material damage and recovery
Review the proposed property scope and any interruption section separately. A single damaged component may affect several operations, which should be reflected in the discussion of values and recovery.
Compare the actual wording
Sublimits, exclusions, excesses and valuation conditions matter more than the product name. Use consistent business information when comparing ISR with another property arrangement.
Information for quotations
Describe each location, assets and values, major equipment, inter-site dependencies, loss history and current property or interruption documents.
Limitations and exclusions to discuss
The ISR label does not set an eligibility threshold or guarantee a broader policy. Compare the actual property, exclusions, sublimits, excesses and any interruption section.
Frequently asked questions
Is ISR simply another name for Commercial Property?
Do not assume interchangeability. Compare the scope and structure of the particular proposals against the same business information.
Does having several sites mean we need ISR?
The number of sites alone does not decide the arrangement. Asset use, values and dependencies need review with the available proposals.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.