Our Industrial All Risk Policy is a comprehensive insurance solution designed to protect large industries against a wide array of operational risks.

This policy covers all risks not expressly excluded, providing a dual-stage protection approach. Initially, it secures material damage to identified assets, followed by compensation for loss of income or profit as outlined in the policy.

Scope of Coverage

Assets Covered

Coverage extends to buildings, machinery, furniture, fixtures and fittings and electrical installations, compensated based on reinstatement value for buildings and machinery and market value for stocks.

Machinery Repairs

Damages occurring to machinery and equipment when sent out for repairs are covered.

Transit Risks

Coverage for damages during transit within the client’s compound.

Cover Benefits

  • Water Damage

    Bursting and overflowing of water tanks, apparatus and pipes

  • Natural Disasters

    Forest fires, subterranean fires, leakage, contamination, spoilage material damage, spontaneous combustion and landslides

  • Power Failure

    Deterioration of stocks due to power failure following damage to premises of public power stations and electric service feeders (for Cold Storages)

  • Other Risks

    Includes coverage for sprinkler leakages, burglary (other than larceny), machinery breakdown, boiler explosion, electronic equipment damage and business interruption following fire or machinery breakdown

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