Industrial All Risks (IAR)
Single, wide-form policy for large industrial risks.
Understanding Industrial All Risks (IAR).
Industrial All Risks (IAR) is a comprehensive 'all risks except those specifically excluded' policy designed for large industrial occupancies, typically with sum insured above ₹100 crore. It combines material damage and business interruption under one structure.
Industrial All Risks (IAR) replaces a patchwork of fire, machinery breakdown (MBD), electronic equipment and business interruption (BI) policies with a single negotiated wording.
What's actually inside this cover.
- Material damage on all-risks basis
- Machinery breakdown & boiler explosion
- Business interruption / loss of profits
- Tailored deductible and sub-limit structure
- Sudden and accidental physical damage
- Consequential loss of gross profit
- Increased cost of working
- Specified natural and man-made perils
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Boiler explosion damages utilities and stops production; the policy funds repair and the business interruption (BI) loss.
Hailstorm damages roof, equipment and stock; all-risks form responds.
Sudden line stoppage causes loss of profit beyond the machinery breakdown repair cost; the business interruption (BI) extension responds.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
Occupancy and pin code drive the rate, and the stock figure drives the sum insured. Be exact about what is actually done at the location.
- Insured name
- Risk location pin code
- GST number
- Email ID
- Communication address of the insured
- Exact occupancy
- Stock value
- Stock name
- Furniture and fixtures
- Electronic equipment
- Other contents
- Burglary cover
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Industrial All Risks (IAR) cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Property & Engineering.
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