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Insurance for goods in cold storage is provided as an extension to machinery all risk policies or machinery breakdown.  This type of cover protects against deterioration of goods in cold storage as an admissible claim under machinery all risk policy.

Be protected against damage to perishable goods due to changes in temperature from breakdown of cooling apparatus in your premises or damage to your apparatus from any accidental cause.

The amount insured must represent the value of stocks including all charges related.

Cover for Refrigerated stocks are specified in the policy schedule against loss or damage because of:

  1. Temperature rise or fall of a refrigerated chamber due to damage of machinery where the damage is insured, failure in supply of public electricity to the point of attachment to the business resulting in accidental damage, and failed thermostats, pressure controls and other limiting devices.
  2. Escape of refrigerant gas or liquid into the refrigeration chamber causing contamination.