Insurance for Perishable Goods

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UIB GROUP
MARINE

PERISHABLE GOODS COVER
FACT SHEET
Using our considerable experience in the field of
Produce, United Insurance Brokers have structured
an extensive wording specifically for companies
involved with Perishable Goods. Growers, producers,
buyers, packers, shippers and any business with an
interest in Produce and Perishable Goods may benefit
from this Cover.
Our knowledge of the Produce sector tells us that
coverage, product valuation and claims service are of
paramount importance. The United Insurance Brokers
Perishable Goods Cover addresses all of these
subjects.

COVERAGE
The extremely comprehensive wording that United
Insurance Brokers have placed provides coverage
for;
All loss of, deterioration of and/or damage to the
subject matter insured arising from any cause,
including inherent vice, which the insured
believes to have arisen during the currency of the
insurance and/or which manifests itself thereafter.
Delay is included as a proximate cause of loss,
deterioration and/or damage in a variety of
circumstances.
Among these circumstance are:
• the actions of strikers and/or rioters
• any act of terrorism and/or political sabotage
• late arrival and/or departure of carrying
conveyances
The very wide Specific coverage enhancements
include:
• heating, sweating and spontaneous combustion
• ammonia/cooling agent contamination

• incorrect management of atmospheric
conditions
• human failure to operate temperature
control/controlled atmosphere equipment
properly
• power supply failure including failure of or
disruption to electrical power provided by public
utility or other supplier
• in certain circumstances coverage may also be
offered against Rejection and chemical damage
after harvest
As an alternative, pricing can also be offered for
more basic coverage provided by the Institute
Frozen Food Clauses (A) CI. 263 1.1.86 (24 hour
breakdown) amended appropriately for non-frozen
goods. The time...
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