Industrial All Risks (IAR)工业综合险 (IAR)
All-risks cover for your factory — plus the profit you lose after damage.工厂的全险 —— 加上受损后少赚的利润。
Section I covers accidental physical loss or damage to your property from any cause not specifically excluded — wider than a named-perils fire policy. Section II covers lost gross profit and extra costs when that damage interrupts your business.第一部分保你的财产因任何没列明除外的原因而意外受损 —— 比只保列明风险的火险宽。第二部分保这些损坏让生意中断时，少赚的毛利和额外开销。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Accidental damage from causes not excluded没列明除外的意外损坏
- Fire, flood and other accidents火灾、水灾等意外
- Theft with force or violence破门或暴力的失窃
- Loss of profit after damage受损后的利润损失
- Machinery breakdown → Machinery Breakdown机器故障 → 机械损坏险
- Staff dishonesty → Fidelity Guarantee员工不诚实 → 员工忠诚险
- Theft without force没有破门的失窃
- Mechanical or electrical breakdown机械、电气故障
- Wear, defects, gradual deterioration耗损、缺陷、慢慢变坏
- Storm damage to property left in the open露天财物的风雨损坏
What's covered基本保障
Property named in the schedule, at the premises in the geographical area on your schedule.附表列明的财产，在附表列明地区内的场所。
All risks全险
Accidental physical loss, destruction or damage from any cause not specifically excluded.任何没列明除外的意外实物损失、毁坏或损坏。
Property at the premises场所里的财产
Buildings, machinery, stock and contents named in the schedule.附表列明的建筑、机器、存货和物品。
Theft with force破门失窃
Theft involving violence, the threat of it, or forcible entry or exit.涉及暴力、威胁，或强行进出场所的失窃。
Loss of profit利润损失
Section II: lost gross profit and extra costs after damage covered under Section I.第二部分：第一部分受保的损坏造成的毛利损失和额外开销。
Fire policy or IAR?火险还是 IAR？
The difference is how the cover is written.分别在保单的写法。
Covers only the events it lists — fire, lightning, domestic explosion — plus the add-ons you buy. See Fire Insurance.只保写出来的事件 —— 火灾、雷击、家用爆炸 —— 加上你买的附加项目。看商业火险。
Covers accidental damage from any cause not excluded — you read the exclusions, not a list of perils.只要不是列明除外的意外损坏都保 —— 你要看的是除外清单，不是风险清单。
Each item under Section I, and Section II, is separately subject to Average — insure each at its full value.第一部分每一项、以及第二部分，都各自按比例赔偿 —— 每一项都要按全值投保。
Premises empty for more than 30 days: burst or leaking water tanks and pipes are not covered.场所空置超过 30 天：水箱、水管爆裂或漏水不保。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
After a loss出事后
- Immediately马上Limit the loss, and give written notice to the insurer.控制损失，书面通知保险公司。
- Theft or malicious damage失窃、恶意破坏Report it to the police.要报警。
- Within 30 days30 天内Deliver a written claim listing what was lost or damaged and its value.交书面索赔，列出损失或损坏的东西和价值。
- Keep the proof留证据Books, invoices, plans and documents the insurer may ask for.保险公司可能要看的账簿、发票、图则和文件。
Theft without forced entry or violence isn't covered — and neither is mechanical breakdown.没有破门或暴力的失窃不保；机器自己故障也不保。
Based on a standard Malaysian industrial all risks policy wording and product disclosure sheet. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准工业综合险条款及产品说明书整理。实际保障以你的保单附表和条款为准。