Industrial All Risk Insurance
Comprehensive Property & Business Interruption Cover for Large Manufacturing Plants
Industrial All Risk (IAR) Insurance is a comprehensive single-window policy designed for large industrial manufacturing risks having an overall Sum Insured of Rs. 100 Crores and above across one or more locations in India.
Large manufacturing complexes in petrochemicals, brassware, cement, power, and heavy engineering require single-window coverage against fire, natural disasters, machinery breakdown, and resultant business profit loss.
Industrial All Risk Insurance Details & Add-On Covers
Eligibility Criteria & Material Perils
- * Eligibility - All Industrial risks having overall Sum Insured of Rs. 100 Crores and above
- * Multi-Location Coverage - Single master policy covering multiple plant locations across India
- * a. Fire and all Special Perils (Building Structure, Plant, Stocks & Fixtures)
- * b. Burglary & Theft (Theft of raw materials, finished inventory & machinery parts)
Machinery & Business Interruption Covers
- * c. Machinery Breakdown / Boiler Explosion / Electronic Equipment Insurance (MBD/EEI)
- * d. Business Interruption (Fire and all Special Perils - Loss of Net Profit & Standing Charges)
- * Optional MLOP - Machinery Loss of Profit cover available for key plant machinery
Key Benefits & Highlights
What Is Covered Under Industrial All Risk Insurance
- Factory Buildings, Sheds, Warehouses & Plant Infrastructure
- Manufacturing Machinery, Boilers, Turbines & Electrical Generators
- Raw Material Inventories, Work-in-Progress & Finished Goods
- Electronic Data Processing Equipment & Control Systems
- Business Interruption Net Profit & Fixed Standing Charges
Why Choose Dattani Insurance for Industrial All Risk Insurance?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
What is the eligibility threshold for Industrial All Risk Insurance?
Industrial manufacturing units or conglomerates having an aggregate Sum Insured of ₹100 Crores and above across one or more plant locations in India are eligible for IAR insurance.
Does Industrial All Risk cover machinery breakdown and loss of profits?
Yes, IAR policies bundle Fire & Special Perils, Burglary, Machinery Breakdown/Boiler Explosion, Electronic Equipment Insurance, and Business Interruption (Loss of Profits) under a single policy.
