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Insurance for Goods in Cold Storage
For a restaurant owner or retailer, a refrigerator breakdown is more than a technical glitch; it is a direct financial blow that can cost thousands of euros. Standard business policies often treat this as secondary damage with low payout limits. We offer a solution focused on your inventory: you receive compensation for the market value of your products if the cold chain is broken due to a power failure or equipment malfunction.
Asset Protection
For Hospitality & Retail
The policy covers the spoilage of perishable goods, including delicacies and alcohol. This solution is designed for restaurants and supermarkets in Spain.
The policy covers the spoilage of perishable goods, including delicacies and alcohol. This solution is designed for restaurants and supermarkets in Spain.
Pricing
From €25 to €45 / month
The final cost depends on the cooling capacity and the declared value of your stock. It is added as an endorsement to your main business insurance.
The final cost depends on the cooling capacity and the declared value of your stock. It is added as an endorsement to your main business insurance.
Timeline
Payout within 7–10 Days
In 2026, the claims process is largely automated. Photos and purchase invoices are usually enough to trigger the reimbursement process quickly.
In 2026, the claims process is largely automated. Photos and purchase invoices are usually enough to trigger the reimbursement process quickly.
Given the state of power grids and climate challenges in 2026, having basic insurance is not enough. Your contract must reflect the reality of professional equipment. Insurers have become stricter regarding the age of machinery; therefore, we prioritize policies that accept equipment older than five years. We cover not only power outages but also refrigerant leaks and sudden thermostat failures.
- Inclusion of “Bienes Refrigerados” risk with a limit covering full inventory capacity.
- No requirement for 24/7 onsite staff to monitor the equipment.
- Coverage for public grid failures without minimum duration thresholds.
- Reimbursement for disposal costs of spoiled goods according to health regulations.
Agent's opinion "Never dispose of spoiled stock before consulting your agent or receiving approval. In 2026, while video assessments are common, keeping purchase invoices from the last two weeks remains the golden rule to ensure a full payout without disputes."