Get a free quote
Spoilage / Refrigeration Breakdown Insurance - Let us find your best coverage - coverage for perishable stock
Spoilage coverage pays for perishable goods lost when refrigeration fails or power goes out, and carriers ask about stock values, alarms and backup power. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Spoilage / Refrigeration Breakdown Quote Request
Applicant Information:
Have these handy
- Value of perishable stock
- Cooler and freezer list
- Temperature alarm details
- Backup generator details
Related coverage
Coverage details
What Spoilage / Refrigeration Breakdown coverage includes
Spoilage coverage pays for perishable goods lost when refrigeration fails or power goes out, and carriers ask about stock values, alarms and backup power.
- Refrigeration breakdown - Spoilage from cooler or freezer failure.
- Power outage - Loss when utility power goes out.
- Contamination - Stock contaminated by refrigerant leaks.
- Temperature change - Damage from heat or cold.
- Selling price - Optional valuation at your selling price.
Good to know: temperature alarms and a backup generator usually reduce the rate and the deductible.
Not covered: spoilage from improper storage, product past its shelf life, and power shut off by you.
Insurance Application:
Spoilage / Refrigeration Breakdown
Required forms
Spoilage / Refrigeration Breakdown Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm