Industrial All Risks
Industrial All Risks (IAR) is the all-risks property policy for large industrial accounts: material damage and business interruption in one wording, replacing the named-perils fire policy above a sum-insured threshold. It is underwritten risk by risk on a survey, the location schedule and the interruption exposure.
Structured intake and comparison — no benchmark shown until Indian rates are sourced · Updated 2026-09-05
One structured submission for the whole plant — locations, values, machinery and the interruption exposure — that an underwriter can price from.
What the RFQ captures
- Location schedule with buildings, plant and machinery, stock, and business-interruption sums
- Gross profit, standing charges and indemnity period for the interruption section
- Machinery breakdown exposure and key items
- Survey reports and loss history
- Suppliers' and customers' extensions wanted
What changes for the broker
IAR is underwritten, not rated. The price moves on the quality of the submission — the values, the survey, the interruption story. Bridge assembles that from the fire location schedule and the engineering asset lists, adds the business-interruption section, and sends one pack. Comparison is on the wording and the deductible structure, term by term.
Bridge carries Industrial All Risks as a structured intake and comparison line. It does not produce a benchmark for it.
Questions
When does a client move from fire to IAR?
When the account is large enough that an all-risks wording with business interruption is available and worth it — typically a sizeable manufacturing plant. Your underwriter contacts and Bridge's appetite panel show who writes it.