ISR
Industrial Special Risks Insurance
Broad, flexible cover for large-scale and high-value Australian businesses.
When your business has significant property assets, operates across multiple sites, or carries unique operational risks, standard business insurance packages may not go far enough. Industrial Special Risks (ISR) Insurance offers tailored, high-sum insured coverage with flexible protection against a wide range of losses-helping you manage disruption, protect your balance sheet, and recover faster from unexpected events.
We work with mid-sized to large Australian businesses across various industries, providing expert market access and strategic insights to create robust ISR programmes.
What’s Covered?
ISR policies bundle key protections into one policy, allowing for large sums insured, custom sub-limits, and specialised endorsements.
Property Damage
Covering accidental physical loss or damage to your business property, including:
- Fire, flood, storm, explosion
- Theft (including forced entry)
- Machinery breakdown
- Water damage and impact
- Earthquake, accidental damage, and subsidence
Business Interruption
Protects your cash flow and operations when damage interrupts your business:
- Loss of gross profit or revenue
- Payroll continuation
- Increased operating costs
- Claims preparation costs
- Loss of rent
Optional extensions and endorsements can be applied to reflect your risk profile.
Who Needs ISR Cover?
ISR is ideal for businesses that:
- Own or lease commercial property valued over $5 million
- Operate across multiple locations or jurisdictions
- Have high stock turnover, critical equipment, or complex operational risk
- Require more flexibility or higher limits than standard Business Packs offer
Industries We Support
We work with businesses across a range of sectors that benefit most from ISR-style protection:
Manufacturing & Processing
- Factories, plants, food processing, timber and metalworks
- Protection for machinery, production downtime, and raw materials
Wholesale & Distribution
- Multi-site warehouses and temperature-controlled environments
- High-value stock, inventory turnover, and supply chain reliance
Engineering & Fabrication
- High-risk work environments, automation, robotics, CNC machining
- Damage to plant, tools, and finished goods
Life Sciences & Pharmaceuticals
- Cleanrooms, labs, temperature-controlled storage
- Risks such as contamination, spoilage, and stock loss
Construction, Civil & Demolition
- Builders’ yards, equipment depots, and project sites
- Cover for site materials, plant, sheds, and temporary structures
- Demolition: Protection for hazardous worksites, dust and vibration impact, third-party exposures
Transport & Logistics
- Warehousing and depot facilities integrated with cargo and transit risks
- Coverage continuity across multiple transport modes and logistics providers
Commercial Property Owners
- Industrial, retail, and office property portfolios
- Includes cover for loss of rent, public area damage, and repair costs
Food & Beverage
- Breweries, bakeries, producers, packers, and bottling facilities
- Cover for perishables, spoilage, contamination, and temperature failures
Hospitality
- Hotels, pubs, clubs, and event venues
- Property and income protection for liquor stock, commercial kitchens, and guest areas
Retail Chains & Franchises
- ISR supports national brands and multi-site franchises
- Especially suitable where Business Pack limits fall short
Commercial Strata
- Mixed-use or commercial strata complexes
- Covers common property, infrastructure, and shared services
High-Risk Property
- Properties in remote, bushfire-prone, or hard-to-place locations
- Includes recycling plants, spray booths, or flammable materials storage
Agribusiness
- Grain storage, feedlots, processing and logistics
- Cover for fixed infrastructure, stock, crops, and equipment
Why Work With Us?
Get in touch
Let’s Build the Right ISR Programme Together
We work with mid-sized to large Australian businesses across various industries.
Related Insurance Services
We offer wide range of other Insurance services.
Business Insurance
Construction Insurance
Cyber Insurance
Domestic Insurance
FreightInsure
Industrial Special Risks
Management Liability
Marine, Transport & Logistics Insurance
Plant & Equipment
Professional Indemnity
Rural & Farm Insurance
Strata Insurance
Workers Compensation