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Industrial All Risks (IAR) covers accidental loss or damage to insured property at the location specified in the policy. Cover provided is against all perils other than those specifically excluded.

Who is the policy for?

Our IAR policies are designed for any business that has a physical location and sells a product or provides a service. We cover businesses operating in a wide range of industries and geographies.

What does this policy cover?

  • Section 1 of this insurance covers your building, plant, machinery, contents and trade stocks against risks of accidental physical loss or damage unless specifically excluded. This material damage cover can help cover repairing your premises and assets including buildings, contents and stock.
  • Section 2 of this insurance provides cover for business interruption and additional expenses caused by a claim under Section 1 unless specifically excluded. Events such as fires and storm damage can stall your operations and revenue. Business interruption cover can help cover the financial loss and keep your business moving.

The exact scope of coverage will depend on the wording of the policy issued to you.  It is crucial that you read and understand the terms and conditions of the policy as issued.