Marine & Cargo · Cover Explained货运保障 · 险种解读
Deterioration of Stock冷藏库存变质险
Cold Chain Protection冷链保障
What it covers
Loss from perishable goods spoiling in cold storage due to accidental refrigeration failure or unexpected power outage. Requires a Machinery Breakdown policy to be held alongside.
Scope of cover
- Rotting/deterioration losses of goods in cold storage
- Goods contamination from refrigerant leakage
- Value depreciation from temperature fluctuation
Exclusions
- Planned power outages by utility authority
- Inherent product defects or natural deterioration
- Spoilage from improper packaging
保障承诺
承保因制冷设备意外故障或非预期停电导致冷库内易腐货物变质的损失，须与机械损坏险保单同时持有。
保障范围
- 冷库内货物的腐烂、变质损失
- 制冷剂泄露导致的货物污染
- 因温度变化导致的货物贬值
不保事项
- 供电当局计划性停电导致的损失
- 货物本身的固有缺陷或自然损耗
- 包装不当导致的变质
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。