Personal Insurance
Business Insurance
Insurance Details
Comprehensive insurance solutions designed for medium to large Australian businesses with complex or high-value risks.
ISR policies provide a tailored, flexible structure covering major property damage, machinery breakdown, and business interruption exposures that exceed standard Business Pack limits.
Cover Sections / Benefits Covered
Q&A – Common Questions
A: Primarily for large enterprises with assets over $5 million, especially heavy industry and large-scale manufacturing.
A: ISR provides "all-risks" base coverage automatically including more peril types; higher coverage limits; more flexible and customizable policy wordings; typically includes worldwide coverage; and is supported by specialized engineering risk assessment teams.
ISR policies are bespoke and negotiated, not off-the-shelf products. Without specialist advice, businesses may face:
• Inadequate sums insured
• Unclear policy wordings
• Claims disputes due to technical exclusions
As your broker, FRS acts as your risk advisor, negotiator, and claims advocate, ensuring the policy responds as intended when it matters most.