Reimbursement for spoilage of frozen food caused by failure of a refrigeration unit at a frozen foods processor can be covered under

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Equipment breakdown insurance is designed to cover losses arising from sudden and accidental breakdown of equipment, including refrigeration units. Spoilage of frozen food due to a failure in the refrigeration unit would be covered under this policy. Extra expense insurance covers the additional expenses incurred following a loss or damage, such as costs to rent temporary equipment, but it may not cover the actual spoilage of the frozen food. Builders risk insurance covers losses during construction or renovation of a property, and inland marine insurance covers goods in transit, neither of which is applicable in this scenario.

Reimbursement for Spoilage of Frozen Food Caused by Failure of a Refrigeration