Cover for your chilled, frozen or refrigerated goods, including their container and packaging.
Refrigerated goods are covered for accidental spoilage, which includes deterioration, putrefaction and contamination, caused by:
Cover for accidental spoilage of semen and embryos, which you’ve specified on your certificate, following the escape of liquid nitrogen from the cask or flask they’re stored in. Cover applies when they’re at your premises or being transported anywhere in New Zealand.
We’ll pay the reasonable cost to replace the damaged goods. If we can’t replace them or you choose not to we’ll pay the present day value, which is the value just before the loss and takes into account age and condition.
We’ll also pay reasonable costs to avoid or minimise spoilage.
For each straw or embryo we’ll pay the actual value at the time of loss. The most we’ll pay for any one claim is the sum insured shown on the certificate.