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Manufacturing facility and factory production line representing ISR insurance for industrial operations

ISR Insurance for Manufacturing and Factories

Industrial Special Risks cover for manufacturing facilities, processing plants, and factory operations. Comprehensive protection for complex industrial assets.

ISR

Specialist

All Risks

Cover Basis

15+

ISR Markets

Recognition

Industry Awards

Manufacturing is one of the hardest property types to place. Spray painting, welding, chemical storage, combustible dust, heavy machinery - mainstream insurers either decline or price these risks out of reach.

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Specialist Assessment

ISR underwriters who specialise in industrial property can assess manufacturing risks properly because they understand fire protection systems, process controls, and industry standards. They're not relying on automated decline triggers that flag "spray painting" and stop there.

Beyond the Building

For manufacturers, the production equipment is often worth more than the building. ISR policies can include machinery breakdown cover for your production line, not just building systems. Business interruption cover reflects your actual supply chain and lead times.

WHY ISR FOR MANUFACTURING

What makes manufacturing an ISR risk

Manufacturing facilities combine process-specific fire risks, high-value machinery, complex business interruption exposures, and environmental considerations. ISR underwriters have the technical expertise to assess and price these risks properly.

Factory production line with heavy machinery and manufacturing equipment

01

Process-Specific Fire Risk

Spray booths, welding bays, chemical storage, and dust extraction systems all create fire risks that mainstream insurers decline on sight. ISR underwriters assess the actual fire protection controls, not just the occupation code.

02

Machinery Breakdown

ISR covers production equipment breakdown, not just building systems. When a CNC machine, production line, or processing plant fails, the repair costs and production downtime can be catastrophic. Standard property products don't extend this far.

03

Business Interruption

Manufacturing BI is complex. Supply chain dependencies, production lead times, raw material sourcing, and customer contracts all factor in. ISR underwriters structure BI cover that reflects how manufacturing businesses actually operate.

04

Contamination Exposure

Chemical handling, waste storage, and processing by-products create environmental exposure. ISR can include limited sudden contamination cover, and we arrange standalone environmental liability where the exposure warrants it.

RISK PROFILE

Key Risks for Manufacturing and Factory Operations

Manufacturing operations create specific fire, machinery, and environmental exposures that drive ISR underwriting decisions. Understanding your process helps us match you with the right underwriter.

Spray painting and surface coating operations
Welding and hot works in production areas
Chemical storage and handling
Combustible dust from processing operations
Heavy machinery and production line equipment
High-voltage electrical systems
Waste and by-product storage
Temperature-sensitive manufacturing processes

Every manufacturing operation has a unique risk profile. We prepare detailed submissions covering process descriptions, fire protection, machinery schedules, and compliance documentation so ISR underwriters can assess your facility properly.

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COVERAGE DETAILS

What ISR Covers for Manufacturing Facilities

ISR works on an all-risks basis - rather than listing what's covered, it lists what's excluded. This typically provides broader protection for complex industrial assets than standard named-perils products.

Manufacturing facility interior with production equipment and industrial operations
Manufacturing facility interior with production equipment and industrial operations

Usually Covered

✓ Building structure including production areas, offices, and storage facilities
✓ Production machinery and equipment breakdown cover
✓ Raw materials, work-in-progress, and finished goods stock
✓ Business interruption including supply chain and production lead times
✓ Fire, explosion, storm, flood, impact, and other perils unless excluded
✓ Theft, malicious damage, and vandalism to insured property

Not Typically Covered

✕ Gradual contamination or pre-existing environmental issues
✕ Wear and tear, corrosion, or gradual deterioration of machinery
✕ Product liability for goods you manufacture (liability cover arranged separately)
✕ Faulty workmanship in the manufacturing process itself
✕ Workers compensation claims (arranged separately)
✕ Known pre-existing damage or undisclosed building or machinery issues

ISR is a property-only policy. We arrange public liability, product liability, and other liability cover separately to sit alongside your ISR. For manufacturers, product liability is often as important as property cover.

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QUESTIONS

Manufacturing ISR Insurance FAQs

Manufacturing introduces fire and explosion risks that mainstream products aren't designed for. Spray painting, welding, chemical storage, combustible dust, and heavy machinery all sit outside the risk appetite of standard commercial property underwriters. These insurers use automated underwriting that flags manufacturing operations and declines them without proper assessment. ISR underwriters have the technical expertise to assess these risks properly.
Yes. ISR policies can include machinery breakdown cover for production equipment, not just building systems. This covers sudden and unforeseen mechanical or electrical breakdown of your manufacturing plant. Standard property products typically only cover building-related machinery like HVAC and lifts. For manufacturers, production equipment is often worth more than the building itself.
Manufacturing BI is more complex than standard property BI. Your supply chain, production lead times, raw material dependencies, and customer contracts all factor into the calculation. ISR underwriters who specialise in industrial property understand these variables and can structure BI cover that reflects how your business actually operates, not just a simple gross profit calculation.
Requirements vary by underwriter and the type of manufacturing. Spray-painting operations need compliant extraction systems and fire suppression. Chemical storage needs bunding and separation. General manufacturing may only need basic fire protection like extinguishers and hydrants. We present your fire protection details as part of every submission so underwriters can assess accurately.
Yes. Spray painting is one of the most common reasons manufacturing facilities get declined by mainstream insurers. ISR underwriters like Ocean, Halo, and Brooklyn have appetite for spray-painting operations when the extraction systems, booth construction, and fire suppression meet industry standards. We've placed cover for panel shops, furniture manufacturers, and industrial coating operations.
Some ISR policies can include limited contamination cover for sudden and accidental pollution events. This won't cover gradual contamination or pre-existing soil issues, but it can respond to sudden chemical spills or discharge events. For manufacturers with significant environmental exposure, we can arrange standalone environmental liability cover to sit alongside the ISR policy.

ISR Cover for Manufacturing and Factories

From spray-painting operations to heavy industrial processing. We place ISR cover for the manufacturing facilities that mainstream insurers decline or price out of reach.

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Expert Review: 06/04/2026

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