PACIFIC CARE

Industrial All Risk Insurance (IAR) in Thailand

Comprehensive Property & Liability Coverage for Industrial Facilities

What is IAR Insurance?

Industrial All Risk (IAR) refers to an insurance policy that provides extensive coverage for buildings and assets against nearly all forms of damage or loss, unless specifically excluded in the policy. It goes beyond basic fire insurance and is ideal for commercial properties, industrial facilities, and residential complexes such as condominiums. Whether the risk arises from fire, natural disasters, theft, or even accidents like a vehicle collision, IAR helps absorb the financial impact.

Types of Important Industrial Insurance

IAR Industrial All Risks Insurance

An all-inclusive insurance solution for property and industrial assets.

This policy provides comprehensive protection for damage to buildings, machinery, equipment, electrical systems, and production facilities caused by unexpected events such as:

Fire, lightning, explosion
Flood, storm, earthquake
Theft or malicious damage
Damage caused by electrical failure or power systems
Damage caused by cooling systems or other essential systems

*The policy can also be extended to include Business Interruption coverage compensating for income loss due to production stoppages.

PL Public Liability Insurance

Protecting Against Third-Party Legal Liability

Provides coverage for compensation when the insured party is legally liable due to bodily injury or property damage caused by factory operations, such as:

Accidents from machinery
Falling stock in the warehouse
Fires spreading to others' property

Fidelity Guarantee Insurance

Protection Against Employee Dishonesty or Fraud

Covers loss or damage to the company's property caused by employee dishonesty such as theft, embezzlement, or fraud involving financial mismanagement or asset misuse by staff with fiduciary duties.

BI Business Interruption Insurance

Income Protection Against Operational Disruption

Provides compensation for lost income due to interruptions in business operations—e.g., a fire incident forces a production halt. The policy also covers continuing fixed costs such as salaries, administration expenses, etc.

Our Trusted Insurance Partners

We collaborate with leading local and international insurance companies to ensure our clients receive comprehensive, high-quality, and responsive coverage tailored to their specific business needs.

Bangkok Insurance

A leading Thai insurer with extensive experience in underwriting industrial, building, and high-value property insurance across major sectors.

CHUBB Insurance

An international insurer based in the U.S., specializing in high-risk coverage including advanced technology losses and comprehensive third-party liability.

ERGO Insurance

Part of the Munich Re Group, ERGO offers expert risk analysis and customized insurance solutions for both corporate and industrial clients across professional sectors.

Dhipaya Insurance

One of Thailand's top insurance companies under partial government ownership, known for its strong financial stability and large-scale underwriting capability across sectors.