Buildings and improvements
Owned or occupied buildings, permanent fixtures, fit-outs and improvements, based on the insured interest.
Assets & continuity
Property All Risks/Industrial All Risk
Broad protection for the physical foundations of your business.
Property All Risks/Industrial All Risk addresses buildings, plant, stock and contents exposed to sudden physical loss or damage.
Introduction
What is Property All Risks/Industrial All Risk?
Property All Risks/Industrial All Risk provides broad protection against accidental physical loss or damage to insured property. It can form the foundation of a wider programme protecting both the assets and continuity of the business.
What it protects
What can the policy protect?
A property programme should clearly identify the assets to be insured and how they support the operation.
Plant and machinery
Production equipment, utilities and installed machinery used in the operation.
Stock and materials
Raw materials, work in progress and finished goods.
Contents and equipment
Furniture, office contents, electronic equipment, tools and movable equipment used in daily operations.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Fire and explosion
Physical damage caused by fire, lightning or explosion, including resulting damage to surrounding property.
Accidental damage and theft
Sudden accidental damage or theft affecting insured property, subject to the agreed policy terms.
Natural hazards, including TSHWFD
Flood, storm, earthquake, volcanic eruption, tsunami and other natural hazards where the relevant protection is included.
Malicious damage and civil commotion
Deliberate physical damage or civil commotion, subject to the cover agreed with the insurer.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Real Estate
For owners, developers and operators balancing asset values, tenants, financing and public responsibilities.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Retail
For multi-location businesses managing stock, customers, payments, people and digital operations.
Independent property review
Review Property All Risks/Industrial All Risk with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.