Spoilage Coverage

Businesses that deal in perishable products have unique risks that other businesses

don’t. While restaurants may be the best example of businesses subject to spoilage

exposure risks, there are many other businesses that need to be protected from risks

of spoilage with spoilage coverage insurance such as:




  • Florists
  • Mobile food cart owners
  • Pharmacies
  • Cigar Stores
  • Bakeries
  • Coffee Shops
  • Ice Cream Shops
  • Tropical Fish Stores
  • Convenience Stores
  • Deli Shops
  • And many more


In any of these businesses, if there is an extended period of loss of power, ingredients

and stock may end up being unusable, either through spoilage or death (i.e. flowers,

plants, fish). That is spoilage coverage extends beyond food-based risks to other

types of perishable stock that could be rendered useless as a result of a mechanical

breakdown or power outage. The power outage could be on your business premises or

off premises.



An extremely important insurance coverage for these types of businesses is spoilage

coverage. As you can see the need for this type of coverage goes beyond restaurants.

Spoilage insurance coverage helps the business owner compensate for lost revenue

should food contamination, food spoilage, or loss of product resulting from power

outages or breakdown of coolers or refrigerators.



In a restaurant, deli, or other business that serves food, food contamination and

spoilage can occur, which can lead to serious illness for both customers and employees.

And food contamination occurs quite often; just watch the news and you’ll hear about

food contamination outbreaks practically every month.



Spoiled coverage is designed for practically any business that stores, processes,

or sells perishable items — including, but not only food — that must be maintained

under proper conditions in order to avoid damage.



Attached as an endorsement to a commercial property insurance policy, spoilage coverage

includes covered perishable stock located at your business premises. It includes

perishable property damage caused by a change in humidity or temperature due to

an equipment failure, power failure, or contamination. The cost of replacing your

food, produce, or product — and even your lost income — can be covered by a spoilage

coverage and food contamination insurance policy.



If you are in the type of business that is vulnerable to spoilage risks or deals

with perishable products, it’s important to protect yourself and your business from

potentially devastating losses should a power outage or equipment breakdown occur.

So, don’t cry over spoiled milk, get spoilage coverage insurance today.

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