Cold Chain Insurance

Specialized insurance coverage protecting against financial losses from temperature-controlled cargo damage, spoilage, or contamination during storage and transport. Standard cargo insurance often excludes perishable goods or temperature excursion events, making cold chain-specific policies essential. Coverage typically includes mechanical breakdown of refrigeration equipment, power failures, contamination events, and consequential losses including business interruption. Premium calculations consider equipment maintenance records, monitoring systems, driver training, and historical claim rates. For frozen food logistics operators, adequate insurance provides financial protection while demonstrating operational credibility to clients and investors.