Industrial Special Risk Insurance Covers Large and Complex Operations

Industrial Special Risk (ISR) Insurance is a broad-form policy that combines property damage and business interruption cover, typically written on a defined-events or all-risks basis. It's generally used by larger businesses or those with higher-value, more complex operations than a standard Commercial Property policy is designed for.

Because ISR is broad-form, it can respond to a wider range of events than a standard property policy, with cover tailored to the specific risk profile of the operation. We help you assess whether your business has outgrown standard property cover and needs an ISR-style policy instead.

Which Sectors Often Need Industrial Special Risk (ISR) Insurance

These are the sectors where Industrial Special Risk (ISR) Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

What You'll Need for an Industrial Special Risk (ISR) Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Site & Asset Values

The value of your buildings, plant, and contents across all sites to be insured.

Operations Overview

A description of your operations, processes, and any higher-risk activities on site.

Business Interruption Values

Your annual revenue and gross profit, used to calculate the business interruption component.

Claims History

The details of any property or business interruption claims made in the past 5 years.

How Industrial Special Risk (ISR) Insurance Differs From Related Products

Industrial Special Risk vs. Commercial Property

Commercial Property is generally suited to standard buildings and contents. ISR is a broader, often higher-limit policy designed for larger or more complex operations, combining property and business interruption in one policy.

Industrial Special Risk vs. Plant, Equipment & Machinery

Plant, Equipment & Machinery covers specific equipment items. ISR is a broader policy covering buildings, contents, and business interruption together, often including plant as part of the overall sum insured.

Industrial Special Risk vs. Business Interruption

Standalone Business Interruption is usually arranged alongside a separate Commercial Property policy. ISR bundles both property damage and business interruption into a single broad-form policy.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

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Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.