Deterioration Of Stock Insurance

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If you serve food or keep any other stock which has a limited lifespan you need to keep it in the best condition possible. However, that is not always possible. A power cut, for example, may cause any food in your freezer to go off and be unusable. The costs to you as a business could run into the thousands. 

Deterioration of stock insurance is there to help you in situations such as this. Your provider will be able to reimburse you for your losses and ensure that a problem with your power doesn’t turn into a serious cash flow crisis for your business.

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We partner with some of the UK’s most trusted deterioration of stock insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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What does deterioration of stock insurance cover?

Many businesses have to control stock in specially temperature-controlled environments such as a freezer to keep it in usable condition. It might be frozen goods, pharmaceuticals, flowers or anything else which has a finite shelf life. Even a small change in conditions could cause stock to spoil and cost you thousands. This is what deterioration of stock insurance covers you against. 

Do I really need special deterioration of stock insurance?

This product is ideally there for people who keep large quantities of perishable goods on site such as a restaurant. If you only keep a few hundred pounds of products in freezers, your existing contents insurance policy may cover it. Equally, in that case, it may not be worth the expense of insuring something you could cover yourself. This is really there for those companies whose losses would run into the thousands.

What losses should I think about?

If a fault with a freezer causes you stock to spoil, it’s not just the cost of replacing it you must think about but also the cost of repairing faulty equipment, transferring stock or arranging disposal. However, these costs will not be covered by deterioration of stock, so it might make sense to consider other options such as whether it’s included in equipment insurance policies.

What causes deterioration of stock?

Reasons stock may deteriorate include the failure of utilities, refrigerant contamination and accidental damage to machinery. Because of how many ways your stock can be ruined, it’s essential that you have cover protecting your business against the consequences of this.

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