Stock Deterioration insurance that saves your bacon.*

Cover for refrigerated stock and inventory.

*How to get stock deterioration cover.

The fine print. To get cover for your chilled stock, your fridge or freezer also needs to be insured under a Machinery Breakdown policy. More fresh. Less stress.

Cool benefits for chilled goods.

Spoiled stock sorted.

Fridge or freezer fizzles. No problem. We’ll cover perishable stock that gets spoiled after a refrigeration breakdown.

Power cut pickle.

Unplanned power outage. Oops. Your stock’s covered if an accidental breakdown of utility equipment or supply lines cuts power to your business.

Rescue costs remedied.

Need a quick fix if your freezer fails? We’ll cover the costs of saving your stock after a breakdown. Like renting a refrigerated truck.

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Making insurance simple.

Experts on hand.

Our NZ business insurance specialists have got your back. Get expert support with cover, claims, payments and more. We’re here 8am to 6pm Monday to Friday (excluding public holidays). 

No time to waste? We’ll call you.

Book a callback with our biz experts and we’ll get your insurance-y stuff sorted. On your time. 

Easy payments. 

Explore our payment options for businesses and choose one that fits. Sorted. 

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

Our AA Financial strength rating means we have a very strong claims-paying ability.