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INSURANCE FOR STORED STOCK & GOODS
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SPOILAGE & CONTAMINATION
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TEMPERATURE FAILURE
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WATER & FIRE DAMAGE
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ACCIDENTAL DAMAGE
Why Stock Deterioration Insurance Is Essential
Storage facilities often hold high-value or time-sensitive goods. Spoilage, contamination, temperature control failure or accidental damage can result in significant financial loss. Stock Deterioration & Damage Risks Insurance protects stored goods against these specialist risks.
What Stock Deterioration & Damage Insurance Covers
- Spoilage of perishable goods
- Temperature control and refrigeration failure
- Contamination and cross-contamination
- Fire, flood and escape of water damage
- Accidental damage during storage or handling
Who Needs Stock Deterioration Insurance?
- Warehouses and distribution centres
- Cold storage and temperature-controlled facilities
- Food, drink and pharmaceutical storage
- Third-party logistics operators
- Any facility storing perishable or sensitive goods
FREQUENTLY ASKED QUESTIONS
+-What is stock deterioration insurance?
It covers loss or damage to stored goods caused by spoilage, contamination,
temperature failure or other insured deterioration risks.
+-Does it cover refrigeration or freezer failure?
Yes. Cover can include stock loss resulting from refrigeration or temperature
control system failure, subject to policy terms.
+-Are customers’ goods covered?
Yes. Policies can include cover for customers’ goods held in trust,
subject to declared values and storage conditions.
+-Is stock deterioration cover included in standard insurance?
No. Stock deterioration is usually excluded from standard property insurance
and requires specialist cover.
+-Is stock deterioration insurance compulsory?
It is not legally required, but it is strongly recommended for facilities
storing perishable or sensitive goods.
Related Covers
Stock deterioration cover should be reviewed alongside refrigeration breakdown, cold storage, contents protection and continuity pages.