Cold Storage Stock Deterioration Cover Check

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Your cold storage failed for 12 hours. Does your insurance pay for the stock?

Built for the plant manager, operations director, or CFO at a Malaysian F&B or pharmaceutical factory with cold storage exposure.

✔ The 12-hour failure scenario by trigger, and where standard fire policies do not respond
✔ Cover gap table: fire only, IAR with and without the Stock Deterioration extension, standalone Cold Storage
✔ Refrigeration plant under DOSH and the Certificate of Fitness regime in P.U.(A) 99/2024 (the successor to the now-repealed Factories and Machinery Act 1967)
✔ Five questions the cover decision turns on, including BOMBA fire premises designation under the Fire Services Act 1988

For Malaysian F&B and pharma factory operators in Selangor, Penang, and Johor. Subject to policy terms and conditions. Foundation is a specialist property and engineering insurance intermediary, not a broker.

Forward this gap check to your CFO before your next renewal.

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