Perishable & Food-Stock Deterioration Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist insurance for perishable stock, chilled and frozen goods and cold-storage facilities

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Cold-storage & perishable risk insurance from leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

PERISHABLE & COLD-STORAGE RISK INSURANCE

Why Perishable Stock Insurance Is Critical

Manufacturers and processors handling chilled, frozen or temperature-sensitive goods face a high risk of rapid stock loss following refrigeration breakdown, power failure or temperature deviation. Standard property policies often exclude or severely limit stock deterioration without specialist extensions.

What Does Perishable Stock & Cold-Storage Insurance Cover?

Protection for temperature-controlled goods and facilities.


  • Perishable stock deterioration
  • Refrigeration & freezer breakdown
  • Power failure and temperature deviation
  • Cold-chain failure during storage
  • Machinery breakdown extensions
  • Optional business interruption cover

Who Is This Insurance For?


  • Food & beverage manufacturers
  • Cold-storage & freezer facilities
  • Chilled, frozen & perishable processors
  • Meat, dairy, seafood & ready-meal producers
  • Businesses reliant on temperature-controlled stock
  • Exporters and wholesalers of perishables

Why Choose Insure24?


  • Specialist cold-storage & perishable risk expertise
  • Cover aligned with machinery breakdown & BI
  • Advice on temperature monitoring & controls
  • Flexible limits for high-value stock
  • UK-based claims and technical support

FREQUENTLY ASKED QUESTIONS

+-

Is food-stock deterioration covered automatically?

No. Stock deterioration and cold-storage risks usually require specialist extensions or a dedicated policy beyond standard property insurance.

+-

Can business interruption be added?

Yes. Business interruption cover can be linked to refrigeration failure or machinery breakdown to protect income following stock loss.

Related Blogs

Viral Vector Manufacturing Insurance: A Complete Guide

The viral vector manufacturing sector represents one of the most innovative and rapidly expanding areas of biotechnology. As gene therapies, vaccines, and advanced therapeutics continue to revolutio…