Real ISR placements.
The risks, the markets, the terms.
Each of these was a real placement cycle. You will see the risk, the underwriting questions that drove the market journey, and where the cover ended up. The kinds of risks an ISR wording is built for, and where a business pack usually stops.
Medication packaging facility
A pharmaceutical contract packaging operation pushed off a business pack and onto an ISR wording after mainstream markets wouldn't hold the occupation, machinery concentration, and $20M liability in one place.
Multi-tenanted hospitality and accommodation complex
A multi-tenanted income-producing property in a flood-rated regional NSW area, placed on an ISR Mark IV wording and then endorsed upward after the insurer-commissioned valuation confirmed the original declared values needed lifting.
Vacant commercial warehouse
An owner-occupied warehouse sitting between tenants, placed on a specialist ISR vacant-property wording after mainstream markets declined the vacancy trigger outright.
Specialist commercial print and packaging factory
A specialist commercial print and packaging operation with heavy production-equipment concentration and an occupancy profile most SME products are set up to decline. Remarketed across a specialist ISR panel with firm terms returned from multiple markets at full programme structure.
Multi-tenanted heritage mixed-use building
A heritage mixed-use property with a multi-tenant ground-floor commercial schedule and residential apartments above. Combined ISR and $20 million public liability terms returned from a specialist market after most mainstream insurers declined on tenant occupation.
Mixed-use building with short-stay accommodation
A two-level mixed-use property with a specialist retail tenant at ground level and short-stay accommodation above. ISR terms returned from a specialist market after the majority of the market declined on tenant occupation.
Mixed-use strata complex, coastal NSW
A coastal NSW mixed-use strata complex with residential units and a ground-floor tenancy mix that most mainstream markets decline on. ISR terms returned from a specialist market after the majority of the panel declined on occupation or bushfire exposure.
Protecting our clients' information is fundamental to how we work. We share these case studies to give a genuine sense of the placements we put together and the businesses we work alongside. The risk, cover, market journey, and outcome are real. Identifying specifics have been anonymised so the example can stand on its own without exposing the client.
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