ISR for the industries
that need it most.
ISR is a wide wording. The way it gets configured changes a lot from one industry to the next. Below is how we usually think about each sector, and the sub-limits and extensions that tend to matter most for the businesses we place.
Two ISR policies are never identical. The bones are the same. The extensions, sub-limits, and exclusions differ by sector.
A manufacturer with custom plant and a six-month lead time on replacement equipment needs a longer indemnity period and a properly sized machinery breakdown extension. A retailer with a heavy Friday night cash float and shoplifting exposure needs theft without forcible entry and a money sub-limit that reflects the real numbers. A cold storage operator carries spoilage exposure that a generic ISR template will not cover at the right limit.
Underwriter appetite also shifts by sector. EPS panel construction is heavily scrutinised in food processing and cold storage. ACP cladding closes options on commercial property. Lithium battery charging is now its own underwriting question for warehousing. Asbestos affects rebuild costs in older healthcare and industrial sites. The right insurer for a build is rarely the right insurer for a hospitality group.
The industries we work with most.
Click any industry to see how we configure ISR for that sector, the sub-limits we normally argue for, and the underwriter questions that come up.
Manufacturing
Industrial
Factory buildings, production plant, raw materials, and the gross profit it all generates. Long-lead-time machinery makes the indemnity period the deciding choice.
Warehousing & Distribution
Industrial
Distribution centres, racking, large stock holdings, and cold storage where temperature failure can wipe a season. EPS panel and racking density drive underwriter appetite.
Retail
Commercial
Shopfronts, fit-out, glass, and stock. Theft without forcible entry, glass replacement, and money sub-limits need sizing for how the business actually trades.
Hospitality
Commercial
Hotels, restaurants, bars, function venues. Kitchen plant, liquor stock, and the money sub-limit on a Friday night float all matter more than the template suggests.
Construction
Industrial
Site offices, tools, plant and equipment, works in progress. ISR sits alongside contract works and material damage to cover the assets the business actually owns.
Healthcare
Commercial
Medical equipment, pharmacy stock, aged care facilities, cold chain pharmaceuticals. Spoilage and machinery breakdown extensions are essential, not optional.
ISR fits more sectors than the headline list.
The six sectors above are the ones we place most often. ISR is much wider than that. Commercial property owners, transport and logistics operators, life sciences and pharmaceutical sites, education providers, professional services with significant fit-out, agricultural processors, and any business carrying combined property and stock above roughly $3 million can sit comfortably on an ISR wording.
The trigger is rarely the industry label. It is the complexity of the operation. A simple cafe with $500k of fit-out is a business pack. A cold-storage operator with $8M of stock, a 24-month lead time on the refrigeration plant, and a dozen suppliers they rely on is an ISR. The question is less what you would pay and more what has to respond if something goes wrong.
If your sector is not on the list, it is worth a 15-minute conversation. We will tell you straight whether ISR is the right wording or whether a business pack is genuinely a better fit for your situation.
Want ISR configured for your sector specifically?
Send a quick enquiry and a senior broker familiar with your industry will walk through the sub-limits and extensions that matter for your operation.