Stock & Spoilage Insurance covers the financial loss when stock, produce, or goods are damaged or destroyed by spoilage, contamination, or a breakdown in refrigeration or storage equipment. It applies to businesses holding perishable stock, including fresh produce, seafood, and temperature-sensitive goods.

Cover typically responds to events like power failure, refrigeration breakdown, or contamination, and can extend to the cost of replacing stock and any related cleanup. We help you set a sum insured that reflects the value of stock you typically hold.