insurance solutions
Industrial Special Risk (ISR) Insurance
Broad protection for complex assets, locations and operations
How we help you protect your business
Industrial Special Risk Insurance can combine property and business interruption cover in one tailored program so a major loss is less likely to stop your operations or cashflow.
Larger sites, higher asset values and complex operations often need broader protection than a standard property policy.
Fire, machinery breakdown or a natural catastrophe at one location can quickly affect multiple sites and revenue streams.
We work with asset-heavy and multi-site businesses to structure ISR programs that reflect how your operations run in practice, not just what is listed on a schedule.
Your PSC Adviser can help:
- Design an ISR program for single or multiple locations
- Combine property and business interruption into one policy
- Protect buildings, plant, contents and stock
- Address increased costs of working after a major loss
- Consider cover extensions suited to your industry and processes
- Align deductibles, sub-limits and endorsements with your risk appetite
How We Can Help You
Coverage designed for your risks
Every business is different so your insurance coverage should be too. We take the time to understand your operations, risk profile, and continuity needs before designing an ISR solution that fits.
Property Damage
We protect your business’s physical assets including buildings, plant, machinery, stock, and contents against damage caused by insured events such as fire, storms, or accidents.
Business Interruption
We help safeguard your profitability by covering lost revenue, rental income, or increased operating costs while your business recovers from an insured event.
Contingent Business Interruption
We help protect your income even when damage occurs beyond your premises such as at your suppliers’, customers’, or utility providers’ sites.
Accidental Damage
We protect your business from unexpected events and accidents that could interrupt day-to-day operations or compromise workplace safety.
How We Understand Your Risks
Understanding what could stop your operations
With ISR, the real question is not only what could be damaged, but what would stop you trading. A single event affecting a key site, production line or warehouse can create knock-on impacts for customers, suppliers and income.
When we review your ISR needs, we look at how your sites connect, where bottlenecks sit, and how long it might realistically take to repair, replace or relocate critical assets.
When assessing ISR exposure, we look at:
- The role each site plays in your overall operations
- Construction type, age and fire protection at key locations
- Dependence on critical plant, lines or specialised equipment
- Storage and handling of flammable or hazardous goods
- Exposure to flood, cyclone, storm, bushfire or other catastrophes
- Supplier and customer dependencies that affect revenue recovery
- Realistic rebuild and reinstatement timeframes for business interruption
The PSC Difference
Practical guidance, real advocacy, better outcomes
We have the size and scale to help you
Ready to review your Industrial Special Risk cover?
If your business relies on high-value assets, multiple locations or continuous production, it is important to know your ISR program reflects those realities.
Speak with PSC Insurance Brokers to discuss your current Industrial Special Risk arrangements and how they can be better structured around your sites, assets and income.