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We compare refrigeration & food stock cover from leading UK insurers
COLD STORAGE INSURANCE FOR FOOD RETAIL BUSINESSES
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REFRIGERATION BREAKDOWN
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STOCK SPOILAGE
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POWER FAILURE
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BUSINESS INTERRUPTION
Why Refrigeration Insurance Is Critical for Food Retailers
Food retailers rely heavily on refrigeration and cold storage to protect perishable stock. Equipment failure or power loss can lead to rapid spoilage, lost income and regulatory issues.
What Does Refrigeration & Cold Storage Insurance Cover?
- Breakdown of fridges, freezers and chillers
- Food stock spoilage following equipment failure
- Losses caused by power failure or temperature rise
- Repair or replacement of refrigeration equipment
- Business interruption due to insured breakdown
- Optional alarmed temperature monitoring discounts
Common Refrigeration & Cold Storage Risks
- Mechanical or electrical failure
- Power cuts or grid outages
- Overnight temperature increases
- Undetected freezer or chiller failure
- Environmental health stock disposal
- Loss of income during forced closure
Why Arrange Refrigeration Insurance with Insure24?
- Specialists in food retail & cold-chain risks
- Correct valuation of chilled and frozen stock
- Cover aligned with shop & food safety regulations
- Fast claims support when stock loss occurs
FREQUENTLY ASKED QUESTIONS
+- What is refrigeration insurance?
Refrigeration insurance covers breakdown of fridges and freezers and the resulting spoilage of chilled or frozen food stock.
+- Does it cover food stock spoilage?
Yes. Policies can cover food stock spoiled following refrigeration failure or power cuts, subject to limits and conditions.
+- Is power failure included?
Many policies include cover for power failure leading to temperature rise, particularly when combined with breakdown cover.
+- Can business interruption be added?
Yes. Business interruption can be included to cover loss of income while refrigeration systems are repaired.
+- How much refrigeration insurance do I need?
Cover levels depend on equipment value, volume of chilled stock, turnover and how quickly replacements can be sourced.