ISR Insurance
Comprehensive protection for south-eastern South Australia’s rural and agribusiness operationsISR Insurance
At Eastern Equity South East Insurance Brokers, we understand the complex and wide-ranging risks faced by farmers, growers, graziers and rural business owners across Naracoorte, Mount Gambier, and south-west Victoria. Industrial Special Risk (ISR) Insurance provides comprehensive coverage tailored to safeguard your high-value agricultural assets and operations from significant financial loss.
Designed for businesses with substantial physical assets and varied exposures, ISR Insurance is an all-encompassing policy that goes beyond standard business insurance. Whether you’re running a large-scale mixed farming operation, managing extensive grain storage facilities, or operating specialised equipment in livestock production, ISR Insurance offers broad protection under a single, flexible policy.
What Does ISR Insurance Cover?
ISR Insurance is designed to cover loss or damage to physical assets arising from a wide variety of insured events. For our rural and farm-related clients, this typically includes:
Buildings and Infrastructure
Including farmhouses, shearing sheds, machinery sheds, cool stores, barns and storage silos.
Plant and Equipment
Coverage for specialised machinery such as harvesters, irrigators, tractors, spray rigs and packing equipment.
Stock and Produce
Protection for livestock, grain, hay, fruit and other produce, both stored on-site and in transit.
Business Interruption
Covers loss of income due to an insured event such as fire, storm, machinery breakdown or flood, helping to maintain cash flow during recovery.
Theft and Vandalism
Protection for equipment and goods stolen or damaged by third parties.
Accidental Damage
Provides broader coverage than standard policies, including unexpected damage not otherwise specified.
Catastrophic Events
Protection against significant natural disasters such as bushfires, storms, hail and earthquakes.
With ISR Insurance, you receive peace of mind knowing that the full scope of your rural business operation is protected under one streamlined and cost-effective policy.
Additional Benefits and Customisation
Eastern Equity South East Insurance Brokers can tailor your ISR policy to include a wide range of optional benefits to further protect your livelihood. These include:
Flood Coverage
Often excluded in basic policies, but available as an extension under ISR where appropriate.
Machinery and Electronic Equipment Breakdown
Essential for operations dependent on continuous processing or refrigeration.
Spoilage and Deterioration
Covers loss of perishable goods due to power outages or equipment failure.
Temporary Premises Cover
Ensures you remain protected when business operations are relocated after an insured event.
Increased Cost of Working
Covers additional expenses required to maintain operations during repair or rebuilding.
Every farming and rural business is different, which is why our team works closely with you to assess your risks and structure a policy that reflects your specific needs.
Local Knowledge. Personalised Service.
As a locally based brokerage, Eastern Equity South East Insurance Brokers understands the unique challenges of operating a farm or agribusiness in south-eastern South Australia and the Western District.
With deep industry experience and a commitment to personalised service, we provide expert guidance to ensure your ISR cover is comprehensive, compliant, and responsive when you need it most.
To find out how Industrial Special Risk Insurance can protect your rural business, call Dominique Armoogum on 0427 937 969 or email dominique@eeib.com.au today.