Industrial Special Risks

Industrial Special Risks (ISR) insurance is designed for larger businesses that require larger sums insured. ISR is for businesses where the size and diversity of the operations make it practical to combine individual policies (fire, consequential loss, theft, money and glass).

The ISR policy is a complex contract that covers first-party property damage by any cause not otherwise excluded under the policy. Indirect loss exposures can also be covered, such as:

Loss of income due to insured property damage.
Extra expenses in continuing the business following direct property loss, and contingent losses following direct damage to suppliers, customers and utilities.

In most cases, policy wording is industry based. In special circumstances, wording can be varied to meet your particular needs.