Industrial all risk insurance
A practical guide to Industrial All Risk insurance for larger manufacturing risks, combining property damage and business interruption subject to policy terms.
Start with the business behind the policy
Industrial All Risk insurance can bring major property and business-interruption exposures under a broader programme. “All risk” does not mean every event is covered: exclusions, deductibles, sub-limits, values and warranties remain critical.
For complex plants, Umber focuses on the risk story—processes, utilities, protections, dependencies, accumulation and recovery time—so insurer negotiations are based on more than a schedule of assets.
Who should review this cover
- Medium and large manufacturing plants
- Multi-location industrial groups
- High-value process industries
- Facilities with major business-interruption exposure
- Businesses with interconnected utilities
- Companies seeking a consolidated property programme
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Material damage under the selected wording
- Buildings, machinery and stock as declared
- Accidental physical loss subject to exclusions
- Business interruption following insured damage
- Specified extensions and sub-limits
- Multiple locations when scheduled
The details worth a closer look
- 01
High deductibles for machinery or catastrophe losses
- 02
Excluded processes, utilities or ageing assets
- 03
Understated gross profit or indemnity period
- 04
Dependencies outside the insured premises
- 05
Testing, commissioning and construction exclusions
- 06
Mandatory protection and maintenance warranties
When you need support
- Prepare pre-loss asset and financial documentation
- Coordinate engineering and business-loss specialists
- Separate mitigation, repair and interruption workstreams
- Maintain a single chronology of insurer and surveyor requirements
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.