Business Property (ISR) Insurance.
Your building, equipment, and stock represent years of investment. A fire, flood, or break-in can undo that in hours. Standard packaged cover often has gaps - for high-value or complex operations, Industrial Special Risks (ISR) is the broadest business property cover available, and getting the structure right matters.
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About This Cover
Business property and ISR insurance - what's covered and when you need it
Business property insurance covers your building and its contents against damage and loss. You can select enough coverage to rebuild the structure and replace covered contents - and your policy can also cover improvements you've made to a leased property.
For larger businesses, Industrial Special Risks (ISR) is a wide-coverage policy specialised for high-asset-value operations. Unlike standard packaged policies that only cover named perils, ISR covers all perils unless specifically excluded - providing significantly broader protection.
ISR is particularly suited to businesses with combined property values over $20 million, or those with complex multi-site or industrial operations.
What's Covered
What's included - standard covers in a business property policy
Fire & Explosion
Covers damage to your building, contents, and stock from fire or explosion - one of the most common and costly causes of business property loss.
Storm & Water Damage
Protects against damage caused by storms, flooding, burst pipes, or other water-related events that affect your premises or contents.
Theft & Burglary
Covers loss of contents, stock, portable equipment, and hi-tech items resulting from theft - whether forced entry or otherwise.
Accidental Damage
ISR policies cover accidental damage to your building, contents, and stock for both listed and non-listed perils - broader than standard packaged cover.
Industrial Specialised Risk
What does Industrial Special Risk cover?
Unlike standard business property policies, ISR covers all perils unless specifically excluded. In regard to property loss, an ISR policy typically covers the following categories - giving you comprehensive protection across your entire asset base.
Asset Replacement
Buildings, plant, contents, machinery, mobile equipment, money, and data.
Fees
Engineering, builder, architect, and other professional reinstatement service fees.
Regulatory Costs
Additional compliance and construction costs required by current building codes.
Valuables
High-value items including those with recorded serial numbers on your premises.
Consequential Loss
Income and extra expenses arising from the interruption of business operations.
Time Expenses
Costs incurred bypassing damaged systems or machinery during the recovery period.
Who Needs This
Who needs business property (ISR) insurance - operations with high asset values
Large Asset Businesses
Companies with combined property, plant, and equipment values over $20M - where standard packaged cover isn't broad enough.
Retail & Commercial Tenants
Businesses leasing commercial space that need to cover their fit-out, equipment, stock, and any improvements made to the premises.
Manufacturing & Industrial
Factories and warehouses with significant plant, machinery, and inventory where the financial impact of property damage is severe.
Healthcare & Professional Services
Clinics, offices, and studios with specialised and high-value equipment that needs comprehensive, all-risks property cover.
Multi-Site Operations
Businesses operating across multiple locations benefit from consolidated ISR cover - one policy across all premises and assets.
Why Co-Pilot
Why Co-Pilot for business property insurance - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your assets - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including specialist property and ISR underwriters for industrial, multi-site, and high-value operations that standard markets won't cover on preferred terms.
Honest advice on ISR vs. standard property cover
Standard business property covers named perils only. ISR covers all perils unless excluded - a significant difference at claim time. We help you choose the right structure for your asset value and risk profile.
Clear communication, no surprises
We explain your policy in plain language, manage valuations and declarations proactively, and are available when a claim is lodged - not just at renewal.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Business Property & ISR Insurance
Your assets took years to build.
Let's make sure they're properly covered.
Co-Pilot searches across 90+ insurers to find the right business property or ISR cover for your asset profile, industry, and risk exposure. No gaps, no over-insurance.