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Deterioration of Stock Insurance in Kenya - Mufasa Insurance
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Deterioration of Stock

Deterioration of Stock Insurance

One power outage shouldn't wipe out your cold storage inventory.

Deterioration of Stock Insurance covers perishable goods, frozen foods, pharmaceuticals, and other temperature-sensitive stock against spoilage following a breakdown of your refrigeration or cold storage plant, a critical cover for food processors, pharmacies, and cold chain businesses.

Talk to a Private AdvisorHow It Works

Coverage Details

What's Covered

Refrigeration Breakdown

Stock spoilage following mechanical or electrical breakdown of cold storage equipment.

Power Failure

Loss of stock due to an unexpected power outage affecting refrigeration.

Contamination

Spoilage caused by leakage of refrigerant gas into the storage area.

Temporary Storage Costs

Cost of moving stock to alternative cold storage during repairs.

Simple Process

How It Works

1

Value Your Cold Chain Stock

Tell us the average value of temperature-sensitive stock held at any time.

2

Match Cover to Your Plant

We align the policy with the specific refrigeration or cold storage equipment you rely on.

3

Claim on Breakdown

Report the breakdown, we help you document the spoiled stock and settle the claim quickly.

Common Questions

Frequently Asked

Does this cover food that spoils due to normal expiry?
No, only spoilage directly caused by an insured breakdown or power failure event, not normal shelf-life expiry.
Is this the same as Machinery Breakdown?
They're related, Machinery Breakdown covers the equipment itself, Deterioration of Stock covers the goods that spoil as a result. Many businesses buy both together.
Can I insure stock at multiple cold stores?
Yes, multiple storage locations can be scheduled under one policy.

Across Kenya

Deterioration of Stock cover in your county

We arrange deterioration of stock insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

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Ready to get covered?

Get your Deterioration of Stock insurance quote today, same day cover, zero hassle.

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