Comprehensive Industrial All Risk (Supreme) Cover
One Policy. Total Protection. Safeguard Your Industrial Assets, Machinery & Profit from All Major Risks.
600+
Satisfied Businesses
10,000+
Claims Handled
99.3%
Claims Disposal Ratio
2005
Inception year
All-in-One IAR (Supreme) Insurance Policy: Machinery Breakdown, Loss of Profit & More
What is IAR (Supreme) Insurance?
The Industrial All Risk (Supreme) policy offers broad, all-in-one protection for large industrial and commercial establishments. It combines property damage and business interruption cover under a single comprehensive insurance — ensuring continuity even after major unforeseen losses.
Every business needs IAR (Supreme) insurance because it:
- Protects physical assets like buildings, machinery, furniture, and stock from accidental loss or damage
- Compensates loss of profit or revenue due to insured perils causing operational downtime
- Covers sudden mechanical or electrical breakdown of critical equipment
- Protection for computers, servers, and control systems
- Fire, flood, storm, cyclone, earthquake, and more
- Terrorism, Debris Removal, Professional Fees, Temporary Storage
What Does IAR (Supreme) Insurance Cover?
| Covered Risks | Fire & Lightning | Explosion / Implosion | Riot, Strike & Malicious Damage | Storm, Cyclone, Flood | Impact Damage | Leakage from Sprinklers |
|---|---|---|---|---|---|---|
| Description | Accidental fire, lightning strike damages | Of boilers, gas cylinders, machinery | Losses caused by civil commotion | Natural calamity damage | From vehicles or falling objects | Included by default |
Ideal for These Sectors
Manufacturing Units
Industrial Plants
Power & Energy Facilities
Data Centers
Oil Refineries
Customize Your IAR (Supreme) Insurance
Material Damage (Building, Plant & Machinery, Stock)
Machinery Breakdown
Loss of Profit due to Business Interruption
Debris Removal
Architect / Surveyor Fees
Electrical & Mechanical Equipment Protection
Coverages & Customized Options
Client can take only Material Damage Policy.
Client can take Material Damage + Machinery Breakdown.
Client can take Material Damage + Loss of Profit due to Business Interruption.
Client can take all three policies together.
Simple, Transparent Claim Process
1
Inform insurer within 24 hours
2
Submit claim form loss details, & inspection report
3
Surveyor assessment
4
Claim settlement within 10–15 days
Real Business. Real Protection.
Pharma Manufacturing Unit — Machinery Breakdown & Profit Loss
A sudden machinery failure halted production for a week. The Industrial All Risk cover compensated ₹52L for repairs and ₹19L for profit loss, helping the plant restart quickly with minimal financial impact.
Why Businesses Trust Insurance Manager
Expert Risk Assessment
Quick Quote & Issuance
24×7 Support & Claim Assistance
IRDAI Certified Advisors
Pan-India Service
Frequently Asked Questions
What is an Industrial All Risk (Supreme) policy?
It’s a comprehensive insurance plan that combines multiple coverages—such as fire, natural perils, theft, machinery breakdown, and business interruption—under one policy for industrial and commercial establishments.
Who should buy this policy?
Industrial plants, engineering companies, infrastructure developers” with “Data Centres, Power & Energy.
What makes it different from a standard Fire policy?
A Fire policy only covers specific perils like fire, explosion, or lightning.
The Industrial All Risk (Supreme) policy offers broader protection, including accidental damage, machinery breakdown, business interruption, and other customizable extensions.
Can the coverage be customized for my business?
Yes. The policy can be tailored with optional add-ons such as terrorism cover, debris removal, and professional fees—based on your industry and risk profile.
Don’t wait for an accident to realize the value of the right policy.
Protect your factory, profits and peace of mind today.
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