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PROTECT PERISHABLE STOCK & KEEP TRADING
Why Perishable Goods Insurance Matters
Food retailers depend on refrigeration, temperature control and strict hygiene. A single equipment failure or power outage can destroy stock within hours. Perishable goods insurance protects your food, income and reputation.
What Does Food Retail & Perishable Goods Insurance Cover?
Designed for shops handling chilled, frozen or fresh food.
- Perishable stock (chilled, frozen & fresh)
- Deterioration of stock due to fridge/freezer failure
- Power failure & temperature fluctuation losses
- Refrigeration & freezer breakdown
- Public & product liability (food poisoning, allergens)
- Business interruption following insured events
Who This Insurance Is For
- Grocery stores & convenience food shops
- Butchers, fishmongers & poultry retailers
- Delicatessens & specialty food shops
- Farm shops & local produce retailers
- Retailers handling chilled or frozen foods
Why Choose Insure24?
- Specialist food retail & perishables expertise
- Advice on correct stock & seasonal limits
- Access to insurers experienced in spoilage risks
- Flexible cover for single or multiple shops
- Claims support when stock losses occur
FREQUENTLY ASKED QUESTIONS
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What is deterioration of stock insurance?
It covers loss of perishable food caused by refrigeration breakdown, power failure or temperature changes.
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Does this cover freezer or fridge failure overnight?
Yes, provided refrigeration breakdown and deterioration of stock cover are included in your policy.
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Is food poisoning covered?
Product liability insurance can cover food poisoning or allergen-related claims when correctly arranged.
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Do I need this if I already have shop insurance?
Standard shop insurance may not fully cover perishables or spoilage. This cover is designed specifically for food retailers.
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Can seasonal stock increases be insured?
Yes. Policies can allow seasonal stock uplifts, but limits must be set correctly to avoid underinsurance.