HIGH-VALUE PROPERTY
Industrial Special Risks Insurance for Complex Property
ISR policies are designed for larger commercial property and asset schedules where standard business packs may not be enough.
Search intent
Large assets need a sharper insurance presentation
ISR placement often depends on how clearly the risk is described, valued and protected. Insurers want detail on occupancy, protections, values and claims controls.
For high-value property owners, warehouses, manufacturers and businesses with complex asset schedules.
Complex values
Buildings, plant, machinery, stock, customer goods and contents may need separate schedule treatment.
Interruption exposure
A major loss can affect supply chains, contracts and gross profit well beyond the repair period.
Insurer appetite
Hazardous occupancies, EPS panels, fire protection, flood, age and claims history can affect market options.
Cover structure
ISR cover areas we review
We focus on asset values, interruption calculations and the risk information needed for a credible market submission.
Material damage
Buildings, contents, stock, plant and machinery under a broad commercial property wording.
Business interruption
Gross profit, increased costs, claims preparation costs and suitable indemnity periods.
Specified assets and limits
Sub-limits, declared values, seasonal stock, customer goods and special property categories.
Risk improvements
Fire protection, security, housekeeping and risk controls that can improve insurer confidence.
Who it helps
Businesses suited to ISR review
Broker process
How BOK builds an ISR submission
Collect risk detail
We gather construction, occupancy, protections, claims history and asset schedules.
Review BI assumptions
We discuss gross profit, indemnity periods, payroll and increased costs of working.
Negotiate market terms
We compare insurer appetite, endorsements, excesses, sub-limits and premium options.
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Open pageFAQs
Common questions about industrial special risks
When does a business need ISR instead of a business pack?
ISR is commonly considered when property values, turnover, occupancy or complexity exceed what a standard business pack is designed to handle.
Does ISR include business interruption?
It can. Business interruption is a key part of many ISR programs, but it must be selected and calculated properly.
Do insurers require surveys?
For larger or more complex risks, insurers may request surveys, photos or detailed risk information before quoting or after binding cover.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.