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INDUSTRIAL SPECIAL RISKS AUSTRALIA WIDE

Industrial Special Risks

Partnering with Matrix Insurance for Industrial Special Risks (ISR) insurance means gaining access to tailored coverage designed specifically for your unique business needs. We recognise that ISR insurance is a complex product, with various risk factors to consider. That’s why our dedicated team takes the time to listen and fully understand your business requirements.

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Industrial Special Risks
Insurance Perth

Industrial special risks insurance offers comprehensive property damage and business interruption coverage tailored for larger asset values and organisations with diverse operations. This type of insurance safeguards against a broad range of events, including fire, storms, earthquakes, and both malicious and accidental damage.

While industrial special risks insurance typically applies to combined asset values exceeding $5 million, this minimum can vary by insurer. For businesses with asset values below this threshold, a business pack insurance policy is often recommended.

Industrial special risks insurance is a complex product that requires careful consideration of various risk factors, as each client’s needs can differ significantly. At Matrix Insurance, we prioritise understanding your specific business requirements, ensuring that your policy is structured correctly and that appropriate coverage limits are applied.

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What Does Industrial Special Risks Insurance Cover

This includes buildings, equipment, contents, and stock.
Covers losses resulting from physical damage to your building or its contents. It also protects against events like public utility failures (e.g., power, gas, or water outages) and access prevention, such as when a blocked road prevents customers or suppliers from reaching your business.
Coverage for theft of contents and stock from your premises.
Protection against theft of money from your business by a third party.
Insures against damage to both internal and external glass, regardless of whether the damage is accidental or malicious.
Covers the expenses associated with removing debris after a loss event.
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Comparing Business Packs with Industrial Special Risk Policies

  • Industrial Special Risk insurance policies typically offer broader coverage with fewer exclusions compared to standard policies.
  • Industrial Special Risk policies have higher asset values. Generally, if your business has a total declared asset value of more than $5 million, you should consider an Industrial Special Risk policy.
  • Industrial Special Risk policies have higher excesses than Business Packs.
  • Industrial Special Risk policies are generally more cost-effective.
    Premiums are calculated based on a rate set by the insurer and multiplied by the total declared asset value. Additional coverage areas like theft, money, and glass are often included without extra charge, whereas Business Pack policies charge separately for each section. This structure makes Industrial Special Risk insurance more economical for businesses with significant assets.
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