What does ISR stand for?

Industrial Special Risks – insurance designed to protect large or complex businesses beyond standard coverage limits.

What types of risks are generally covered?

Damage, loss, theft, fire, natural disasters, accidental damage, and business interruption losses.

What are the benefits of ISR Insurance?

Comprehensive coverage, consolidated protection, and risk management guidance.

What are the drawbacks?

Some exclusions (e.g., war, nuclear events, certain machinery breakdowns). Risks are not included in an ISR unless explicitly specified, for example, machinery breakdown.

How does ISR differ from other insurance types?

It combines multiple coverages (property, interruption, theft, glass) under one flexible policy – unlike standard or liability-only insurance.

How can I obtain the right coverage?

Consult with an insurance broker who can help assess your risks, provide guidance, compare policy wordings and negotiate with insures on your behalf.

EPS Insurance *

Premises containing expanded polystyrene (EPS) panels present heightened fire and property risks that many standard insurance policies are not designed to address. Insurance for buildings with significant EPS exposure is usually arranged through a tailored high-hazard property insurance solution. This approach helps ensure businesses operating from EPS-containing premises have cover that reflects their true risk profile.

What is EPS Insurance? *

Expanded polystyrene (EPS) panels are lightweight insulation materials commonly used in modular and prefabricated construction, including wall and roof systems. Their strong thermal performance makes them popular in industrial, cold storage, and food-related environments. However, the use of EPS can increase a building’s fire risk profile, which is why insurers often apply stricter underwriting terms.

Small, medium, and large businesses that may require a tailored policy due to their premises containing EPS include restaurants, butchers, abattoirs, florists, food manufacturers, cold storage operators, and warehouses.

“EPS insurance” is not a standalone type of policy. Rather, it is a commonly used term to describe insurance arranged for properties with EPS exposure, typically placed through a high-hazard property insurance policy.

Like most property insurance policies, cover can include buildings, contents, and stock, as well as business interruption and machinery breakdown, subject to underwriting approval and policy terms.

Material Damage Cover

Provides cover for physical loss or damage to insured buildings, contents and stock caused by events such as fire, storm, malicious damage, or other insured risks, subject to policy terms and conditions.

Business Interruption Cover

Provides protection for loss of income following an insured event, such as fire or storm, where business operations are interrupted.

On-Site Storage Risks

Assists with financial protection if panels stored at a site are damaged due to environmental exposure or unauthorised access.

What Does EPS Insurance Cover? *

High hazard property insurance arranged for EPS exposure may include cover for:

Property damage cover for the building, contents and stock, including loss or damage caused by insured events such as fire, explosion, storm, impact and malicious damage
Business interruption following an insured event
Machinery breakdown is an optional cover that some insurers may be able to include on your policy
Theft coverage for burglary of contents and stock

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Frequently Asked Questions

What are Expanded Polystyrene (EPS) Panels?

Expanded polystyrene panels are made of rigid, closed-cell thermoplastic foam. They’re lightweight with a plastic base that’s derived from petroleum and natural gas. They provide insulation for walls, roofs, and floors, often in modular homes, warehouses, and cold storage facilities.

EPS panels are popular due to their lightweight nature, thermal efficiency, and cost-effectiveness. However, their use can introduce additional risks, particularly in relation to fire performance. In certain environments, EPS may also be susceptible to physical damage or pest activity if not properly protected, which is why insurers carefully assess buildings that incorporate EPS as part of their construction.

Why Might My Business Need EPS Insurance?

If your business operates out of a premise that contains expanded polystyrene (EPS) panels – such as cool rooms, walk-in fridges and freezers, or insulated wall and roof systems – standard property insurance may be limited.

“EPS insurance” is a commonly used term to describe a tailored high-hazard property insurance solution designed for buildings with EPS exposure. This type of cover helps ensure the policy reflects the construction of your premises and the increased fire risk associated with EPS panels.

What Types of Damage are Typically Covered?

Insurance arranged for premises containing EPS panels covers the same risks as a property or ISR policy and is tailored to cover the EPS exposure. Cover can include property damage, business interruption, theft and machinery breakdown (optional).

Can EPS Insurance be Added to My Existing Policy?

If you already have a property insurance policy in place, it’s important to confirm whether any EPS exposure has been fully disclosed. Insurers typically ask what percentage of the premises contains EPS panels. If this has been recorded as 0% but the property does contain EPS, you should notify your insurer or broker as soon as possible.

Ensuring the EPS exposure is accurately disclosed allows the policy terms to be reviewed and adjusted where necessary, helping to confirm that the cover in place appropriately reflects the construction and risk profile of the premises.

If your premise is made up of more than 20% EPS construction, you may need a tailored high hazard insurance policy.

How are Premiums Calculated?

Premiums vary and can be influenced by the business activities, percentage of premise which is constructed from EPS, replacement value of buildings, contents and stock and fire protection measures. There may be other factors that influence premium which your broker will discuss with you.

What Isn’t Covered by EPS Insurance?

Property policies tailored for EPS exposure don’t cover risks such as general wear and tear, rust or corrosion, and it may exclude flood cover unless you specifically request this coverage be added.