A delivery truck reverses into your roller door and knocks a wall panel out. Racking collapses and pallets of goods are damaged. The loading bay is unsafe, so you divert deliveries and operate at lower capacity until repairs are complete.

Impact by a vehicle can be covered damage to your building and contents. If operations drop, Section 2 may cover lost gross profit.

A pipe bursts in the ceiling over the weekend and water floods the office and storeroom. Floors buckle, computers fail and boxed stock is soaked. You need drying fans, repairs and replacement equipment, plus extra time to get back to normal.

Water discharged from a burst pipe or sprinkler can be covered damage. If you are shut down, Section 2 may cover lost gross profit.

A severe storm rips sections of roof sheeting off your premises. Wind-driven rain gets into the warehouse and ruins cartons, packaging and some electrical boards. You need emergency tarps, a roofer and a full internal clean before reopening.

Storm, wind and rainwater damage are common insured events. If trading stops, Section 2 may cover lost gross profit and extra costs.

An electrical fault starts a fire in your workshop after hours. Sprinklers slow it down, but smoke damages stock and machinery. The building needs repairs and you cannot trade for weeks while clean-up, drying and safety checks happen.

Material Damage is designed to cover repairs or replacement after fire and smoke. If Section 2 applies, it may cover lost gross profit.

Heavy rain causes a nearby creek to break its banks and water enters your premises. Stock is ruined and electrics need replacing. You also lose trade while the site is dried out. The loss is from rising floodwater, not a burst pipe.

Flood and sea water are often excluded unless flood is added in the schedule. Storm damage is treated differently, so check the wording.

A drum of chemical cleaner tips over in your warehouse and soaks into the concrete. You must shut down and bring in specialists to test, remove contaminated material and clean the site so you can reopen safely and meet regulator requirements.

Most ISR policies exclude pollution or contamination clean-up costs, unless limited cover applies after a listed insured event.

You install new piping and a joint fails because it was fitted incorrectly. Water damages the wall and floor. The claim includes the cost to redo the bad work, plus the cost to repair the surrounding area that was soaked in the leak.

Faulty workmanship or design errors are typically excluded. Cover may apply only to the resulting damage, not fixing the defect.

A roof slowly leaks over months and moisture warps timber and plaster. Nothing sudden happens. By the time you notice, the damage is widespread and the building needs major repairs, even though there was no specific storm or accident you can point to.

ISR usually excludes gradual deterioration and wear and tear. It’s built for sudden, unexpected damage, not maintenance issues.